However, §1102(3) allows provisions of the code to be varied by agreement. The variation could be to allow electronic stop payment requests, and to make electronic, as well as oral, requests all valid for 6 months.
Our Deposit Account Agreement states that "Stop payment requests are valid for six months whether written, oral or electronic."
We send a confirmation of the request with instructions that the customer must notify us immediately if there is a discrepancy. We do not follow-up for a signature.
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Al Miller, CRCM
Opinions expressed are my own and not necessarily shared by my employer.