4763 REVIEW DENIED Under the UCC, a bank owes no statutory duty to the drawer of a check presented to it by a payee account holder; if the payee of a check would have indorsed it to a different payee and properly could have done so had the drawee bank required the payee to do so, the bank's failure to require a proper indorsement before accepting the check for deposit into an account other than that of the named payee is not a proximate cause of harm sustained by the drawer as a result of the check's having been accepted for deposit into an account other than the payee's.CitationMILLS v US BANK (Wrong Account) 166 CA4 871 [See: CA UCC 4207-4208; Sun 'n Sand v United California Bank 21 C3 671]
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