Okla. Stat. tit. 12A, § 12A-3-110: Identification of Person to Whom Instrument is Payable

IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE

(a) The person to whom an instrument is initially payable is

determined by the intent of the person, whether or not authorized,

signing as, or in the name or behalf of, the issuer of the

instrument. The instrument is payable to the person intended by the

signer even if that person is identified in the instrument by a name

or other identification that is not that of the intended person. If

more than one person signs in the name or behalf of the issuer of an

instrument and all the signers do not intend the same person as

payee, the instrument is payable to any person intended by one or

more of the signers.

(b) If the signature of the issuer of an instrument is made by

automated means, such as a check-writing machine, the payee of the

instrument is determined by the intent of the person who supplied

the name or identification of the payee, whether or not authorized

to do so.

(c) A person to whom an instrument is payable may be identified

in any way, including by name, identifying number, office, or

account number. For the purpose of determining the holder of an

instrument, the following rules apply:

(1) If an instrument is payable to an account and the

account is identified only by number, the instrument

is payable to the person to whom the account is

payable. If an instrument is payable to an account

identified by number and by the name of a person, the

instrument is payable to the named person, whether or

not that person is the owner of the account identified

by number.

(2) If an instrument is payable to:

(i) a trust, an estate, or a person described as

trustee or representative of a trust or estate,

the instrument is payable to the trustee, the

representative, or a successor of either, whether

or not the beneficiary or estate is also named;

(ii) a person described as agent or similar

representative of a named or identified person,

the instrument is payable to the represented

person, the representative, or a successor of the

representative;

(iii) a fund or organization that is not a legal

entity, the instrument is payable to a

representative of the members of the fund or

organization; or

(iv) an office or to a person described as holding an

office, the instrument is payable to the named

person, the incumbent of the office, or a

successor to the incumbent.

(d) If an instrument is payable to two or more persons

alternatively, it is payable to any of them and may be negotiated,

discharged, or enforced by any or all of them in possession of the

instrument. If an instrument is payable to two or more persons not

alternatively, it is payable to all of them and may be negotiated,

discharged, or enforced only by all of them. If an instrument

payable to two or more persons is ambiguous as to whether it is

payable to the persons alternatively, the instrument is payable to

the persons alternatively.