Okla. Stat. tit. 12A, § 12A-4-303

Process, or Setoff; Order in Which Items May be Charged or

Certified.

WHEN ITEMS SUBJECT TO NOTICE, STOP-PAYMENT ORDER,

LEGAL PROCESS, OR SETOFF; ORDER IN WHICH ITEMS

MAY BE CHARGED OR CERTIFIED

(a) Any knowledge, notice, or stop-payment order received by,

legal process served upon, or setoff exercised by a payor bank comes

too late to terminate, suspend, or modify the bank's right or duty

to pay an item or to charge its customer's account for the item if

the knowledge, notice, stop-payment order, or legal process is

received or served and a reasonable time for the bank to act thereon

expires or the setoff is exercised after the earliest of the

following:

(1) The bank accepts or certifies the item;

(2) The bank pays the item in cash;

(3) The bank settles for the item without having a right

to revoke the settlement under statute,

clearing-house rule, or agreement;

(4) The bank becomes accountable for the amount of the

item under Section 4-302 of this title dealing with

the payor bank's responsibility for late return of

items; or

(5) With respect to checks, a cutoff hour no earlier than

one (1) hour after the opening of the next banking day

after the banking day on which the bank received the

check and no later than the close of that next banking

day or, if no cutoff hour is fixed, the close of the

next banking day after the banking day on which the

bank received the check.

(b) Subject to subsection (a) of this section, items may be

accepted, paid, certified, or charged to the indicated account of

its customer in any order.