Revised Code of Washington
Chapter 62A.3 - Negotiable Instruments.
62A.3-503 - Notice of dishonor.

RCW 62A.3-503
Notice of dishonor.

(a) The obligation of an indorser stated in RCW 62A.3-415(a) and the obligation of a drawer stated in RCW 62A.3-414(d) may not be enforced unless (i) the indorser or drawer is given notice of dishonor of the instrument complying with this section or (ii) notice of dishonor is excused under RCW 62A.3-504(b).
(b) Notice of dishonor may be given by any person; may be given by any commercially reasonable means, including an oral, written, or electronic communication; and is sufficient if it reasonably identifies the instrument and indicates that the instrument has been dishonored or has not been paid or accepted. Return of an instrument given to a bank for collection is sufficient notice of dishonor.
(c) Subject to RCW 62A.3-504(c), with respect to an instrument taken for collection by a collecting bank, notice of dishonor must be given (i) by the bank before midnight of the next banking day following the banking day on which the bank receives notice of dishonor of the instrument, or (ii) by any other person within 30 days following the day on which the person receives notice of dishonor. With respect to any other instrument, notice of dishonor must be given within 30 days following the day on which dishonor occurs.

[ 1993 c 229 § 63; 1965 ex.s. c 157 § 3-503. Cf. former RCW sections: (i) RCW 62.01.071, 62.01.072, 62.01.075, 62.01.086, 62.01.144, 62.01.145, 62.01.146, 62.01.186, and 62.01.193; 1955 c 35 §§ 62.01.071, 62.01.072, 62.01.075, 62.01.086, 62.01.144, 62.01.145, 62.01.146, 62.01.186, and 62.01.193; prior: 1899 c 149 §§ 71, 72, 75, 86, 144, 145, 146, 186, and 193; RRS §§ 3462, 3463, 3466, 3476, 3534, 3535, 3536, 3576, and 3583. (ii) RCW 62.01.085; 1955 c 35 § 62.01.085; prior: 1915 c 173 § 1; 1899 c 149 § 85; RRS § 3475 1/2.]
NOTES:

Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.

Structure Revised Code of Washington

Revised Code of Washington

Title 62A - Uniform Commercial Code

Chapter 62A.3 - Negotiable Instruments.

62A.3-101 - Short title.

62A.3-102 - Subject matter.

62A.3-103 - Definitions.

62A.3-104 - Negotiable instrument.

62A.3-105 - Issue of instrument.

62A.3-106 - Unconditional promise or order.

62A.3-107 - Instrument payable in foreign money.

62A.3-108 - Payable on demand or at definite time.

62A.3-109 - Payable to bearer or to order.

62A.3-110 - Identification of person to whom instrument is payable.

62A.3-111 - Place of payment.

62A.3-112 - Interest.

62A.3-113 - Date of instrument.

62A.3-114 - Contradictory terms of instrument.

62A.3-115 - Incomplete instrument.

62A.3-116 - Joint and several liability; contribution.

62A.3-117 - Other agreements affecting instrument.

62A.3-118 - Statute of limitations.

62A.3-119 - Notice of right to defend action.

62A.3-201 - Negotiation.

62A.3-202 - Negotiation subject to rescission.

62A.3-203 - Transfer of instrument; rights acquired by transfer.

62A.3-204 - Indorsement.

62A.3-205 - Special indorsement; blank indorsement; anomalous indorsement.

62A.3-206 - Restrictive indorsement.

62A.3-207 - Reacquisition.

62A.3-301 - Person entitled to enforce instrument.

62A.3-302 - Holder in due course.

62A.3-303 - Value and consideration.

62A.3-304 - Overdue instrument.

62A.3-305 - Defenses and claims in recoupment.

62A.3-306 - Claims to an instrument.

62A.3-307 - Notice of breach of fiduciary duty.

62A.3-308 - Proof of signatures and status as holder in due course.

62A.3-309 - Enforcement of lost, destroyed, or stolen instrument.

62A.3-310 - Effect of instrument on obligation for which taken.

62A.3-311 - Accord and satisfaction by use of instrument.

62A.3-312 - Lost, destroyed, or stolen cashier's check, teller's check, or certified check.

62A.3-401 - Signature.

62A.3-402 - Signature by representative.

62A.3-403 - Unauthorized signature.

62A.3-404 - Impostors; fictitious payees.

62A.3-405 - Employer's responsibility for fraudulent indorsement by employee.

62A.3-406 - Negligence contributing to forged signature or alteration of instrument.

62A.3-407 - Alteration.

62A.3-408 - Drawee not liable on unaccepted draft.

62A.3-409 - Acceptance of draft; certified check.

62A.3-410 - Acceptance varying draft.

62A.3-411 - Refusal to pay cashier's checks, teller's checks, and certified checks.

62A.3-412 - Obligation of issuer of note or cashier's check.

62A.3-413 - Obligation of acceptor.

62A.3-414 - Obligation of drawer.

62A.3-415 - Obligation of indorser.

62A.3-416 - Transfer warranties.

62A.3-417 - Presentment warranties.

62A.3-418 - Payment or acceptance by mistake.

62A.3-419 - Instruments signed for accommodation.

62A.3-420 - Conversion of instrument.

62A.3-501 - Presentment.

62A.3-502 - Dishonor.

62A.3-503 - Notice of dishonor.

62A.3-504 - Excused presentment and notice of dishonor.

62A.3-505 - Evidence of dishonor.

62A.3-512 - Credit cards—As identification—In lieu of deposit.

62A.3-515 - Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.

62A.3-520 - Statutory form for notice of dishonor.

62A.3-522 - Notice of dishonor—Affidavit of service by mail.

62A.3-525 - Consequences for failing to comply with requirements.

62A.3-530 - Collection agencies—Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.

62A.3-540 - Collection agencies—Statutory form for notice of dishonor.

62A.3-550 - Collection agencies—Consequences for failing to comply with requirements.

62A.3-601 - Discharge and effect of discharge.

62A.3-602 - Payment.

62A.3-603 - Tender of payment.

62A.3-604 - Discharge by cancellation or renunciation.

62A.3-605 - Discharge of indorsers and accommodation parties.