Okla. Stat. tit. 12A, § 12A-3-411
This is the official text of Okla. Stat. tit. 12A, § 12A-3-411, part of Oklahoma’s Stat. tit. 12A, — part of the compiled statutory law of Oklahoma, published by the state as "Stat. tit. 12A,." Browse the sections below, each linked to its official government source.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Refusal to Pay Cashier's Checks, Teller's Checks, and
Official statutory text
Certified Checks.
REFUSAL TO PAY CASHIER'S CHECKS,
TELLER'S CHECKS, AND CERTIFIED CHECKS
(a) In this section, "obligated bank" means the acceptor of a
certified check or the issuer of a cashier's check or teller's check
bought from the issuer.
Oklahoma Statutes - Title 12A. Uniform Commercial Code Page 312
(b) If the obligated bank wrongfully (i) refuses to pay a
cashier's check or certified check, (ii) stops payment of a teller's
check, or (iii) refuses to pay a dishonored teller's check, the
person asserting the right to enforce the check is entitled to
compensation for expenses and loss of interest resulting from the
nonpayment and may recover consequential damages if the obligated
bank refuses to pay after receiving notice of particular
circumstances giving rise to the damages.
(c) Expenses or consequential damages under subsection (b) of
this section are not recoverable if the refusal of the obligated
bank to pay occurs because (i) the bank suspends payments, (ii) the
obligated bank asserts a claim or defense of the bank that it has
reasonable grounds to believe is available against the person
entitled to enforce the instrument, (iii) the obligated bank has a
reasonable doubt whether the person demanding payment is the person
entitled to enforce the instrument, or (iv) payment is prohibited by
law.
REFUSAL TO PAY CASHIER'S CHECKS,
TELLER'S CHECKS, AND CERTIFIED CHECKS
(a) In this section, "obligated bank" means the acceptor of a
certified check or the issuer of a cashier's check or teller's check
bought from the issuer.
Oklahoma Statutes - Title 12A. Uniform Commercial Code Page 312
(b) If the obligated bank wrongfully (i) refuses to pay a
cashier's check or certified check, (ii) stops payment of a teller's
check, or (iii) refuses to pay a dishonored teller's check, the
person asserting the right to enforce the check is entitled to
compensation for expenses and loss of interest resulting from the
nonpayment and may recover consequential damages if the obligated
bank refuses to pay after receiving notice of particular
circumstances giving rise to the damages.
(c) Expenses or consequential damages under subsection (b) of
this section are not recoverable if the refusal of the obligated
bank to pay occurs because (i) the bank suspends payments, (ii) the
obligated bank asserts a claim or defense of the bank that it has
reasonable grounds to believe is available against the person
entitled to enforce the instrument, (iii) the obligated bank has a
reasonable doubt whether the person demanding payment is the person
entitled to enforce the instrument, or (iv) payment is prohibited by
law.
Status: in_force · Read it on the official government site
Need a lawyer in Oklahoma?
Find a Oklahoma lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.