GA Code § 11-3-409 (2021)
2021 Georgia Code|Title 11 - Commercial Code|Article 3 - Negotiable Instruments|Part 4 - Liability of Parties|§ 11-3-409. Acceptance of Draft; Certified Check

  "Acceptance" means the drawee's signed agreement to pay a draft as presented. It must be written on the draft and may consist of the drawee's signature alone. Acceptance may be made at any time and becomes effective when notification pursuant to instructions is given or the accepted draft is delivered for the purpose of giving rights on the acceptance to any person.   A draft may be accepted although it has not been signed by the drawer, is otherwise incomplete, is overdue, or has been dishonored.   If a draft is payable at a fixed period after sight and the acceptor fails to date the acceptance, the holder may complete the acceptance by supplying a date in good faith.   "Certified check" means a check accepted by the bank on which it is drawn. Acceptance may be made as stated in subsection (a) of this Code section or by a writing on the check which indicates that the check is certified. The drawee of a check has no obligation to certify the check, and refusal to certify is not dishonor of the check.     (Code 1981, §11-3-409, enacted by Ga. L. 1996, p. 1306, § 3.)   Cross references.   - Criminal penalties for certification of check, draft, etc., where drawer does not have sufficient funds on deposit to cover amount of check, draft, etc., or for failure to set aside amount from drawer's account to cover check, draft, etc., after certification, § 7-1-843.   JUDICIAL DECISIONS   ANALYSIS    General Consideration.   Certified Clerks   Certification Without Endorsement    RESEARCH REFERENCES   Am. Jur. 2d.   - 10 Am. Jur. 2d, Banks and Financial Institutions, §§ 577, 588, 590, 591, 600, 602, 643. 11 Am. Jur. 2d, Bills and Notes, §§ 212, 381 et seq. 12 Am. Jur. 2d, Bills and Notes, §§ 456, 457, 671. 50 Am. Jur. 2d, Letters of Credit, and Credit Cards, § 3. 60 Am. Jur. 2d, Payment, § 64. 72 Am. Jur. 2d, Statute of Frauds, § 154.   C.J.S.   - 3A C.J.S., Alteration of Instruments, § 62 et seq. 10 C.J.S., Bills and Notes, §§ 37, 160, 231, 242.   U.L.A.   - Uniform Commercial Code (U.L.A.) § 3-409.   ALR.    - Effect of certification of check upon presentment by one other than the owner or drawer, 12 A.L.R. 992.    Acceptance of renewal note made or endorsed by personal representative of obligor in original paper as payment or novation of that paper, 12 A.L.R. 1546.    Rights and liabilities of bank with respect to certified check or draft fraudulently altered, 22 A.L.R. 1157.    What amounts to acceptance extrinsic to check, 26 A.L.R. 312.    Effect of notice to drawee bank of claim of lien on check payable to another, 42 A.L.R. 625.    Delay in presenting certified or accepted check for payment as affecting liability of drawee bank, 42 A.L.R. 1138.    Drawee's mere writing of his name on bill as an acceptance thereof, 48 A.L.R. 760.    Check on bank as payment of debts held by bank for collection, 65 A.L.R. 1151.    Bank deposit for purpose of meeting certain checks or classes of checks, 86 A.L.R. 375.    Meaning of term "accepted" as used in that provision of the Uniform Negotiable Instruments Act ( § 115, subd. 3) which dispenses with notice of dishonor to indorser where instrument was made or accepted for his accommodation, 90 A.L.R. 218; 129 A.L.R. 426.    Lost or stolen travelers' checks, 110 A.L.R. 976.    Drawee bank's certification of check as an admission of genuineness of drawer's signature, 110 A.L.R. 1109.   Avoidance of bank's check certification secured by fraud, 100 A.L.R.2d 1197.   Provision in draft or note directing payment "on acceptance" as affecting negotiability, 19 A.L.R.4th 1268.