Court Opinion

ID: 7181275
Source: CourtListenerOpinion
Date Created: 2022-07-24 16:48:24.482586+00
Date Added: 2024-06-11T16:15:55.380065
License: Public Domain

The judgment of the court was pronounced by
Eustis, C. J.
This action is brought on a duplicate check drawn by the late Bank of Orleans on the Bank of Pennsylvania, payable to the order ofthe plaintiff, for $2000. It bears date May 10,1836, and was protested for non-payment, on the 5th of July, 1844. It appears that the mails of the 10th and 11th of May, 1836, were destroyed by the Creek Indians; and as it is probable that this check was transmitted to its place of payment in Philadelphia by one of these mails, the loss of the original of the check may be presumed, there being no means of establishing the fact of the check’s having been put in the post office, in consequence of the death of the party who purchased it for the plaintiff. The plaintiff went to England in March, or April, 1836, and returned five or six years after. The loss of the check was never advertised, nor is any explanation given, which is at all satisfactory, of the neglect in presenting the duplicate.
Checks of this kind are used for purposes of immediate circulation; but the law is well settled that they must be presented for payment within a reasonable time. It cannot be required that bankers should keep their accounts open, at the caprice of the holders of checks or bills, beyond a period which the usual course of business exacts from them. Chitty on Bills, 301, 413. Besides, we agree with the counsel for the defendants that, this action is prescribed under article 3502 of the Civil Code; nor do we find any act on the part of those who had charge of the affairs of the bank, or of the commissioners since, which interrupts or waives the prescription acquired. The amount of the check, $2000, was carried to suspense account, in July, 1841; up to that time, it was calculated as in transitu. The bank was bound to keep its accounts in the usual form, and in a manner to present its relations with its customers. The accounts with the Bank of Pennsylvania were not closed until after that period. On ex-aming the authorities cited by the counsel for the plaintiff, and one of them, that of Troplong, is the most recant work on the subject of prescription, we do not find that the entry of a note or bill on the books of a party, has ever been considered as interrupting prescription. Judgment affirmed.