Okla. Stat. tit. 12A, § 12A-4-405: Death or Incompetence of Customer

DEATH OR INCOMPETENCE OF CUSTOMER

(a) A payor or collecting bank's authority to accept, pay, or

collect an item or to account for proceeds of its collection, if

otherwise effective, is not rendered ineffective by incompetence of

a customer of either bank existing at the time the item is issued or

its collection is undertaken if the bank does not know of an

adjudication of incompetence. Neither death nor incompetence of a

customer revokes the authority to accept, pay, collect, or account

until the bank knows of the fact of death or of an adjudication of

incompetence and has reasonable opportunity to act on it.

(b) Even with knowledge, a bank may for ten (10) days after the

date of death pay or certify checks drawn on or before that date

unless ordered to stop payment by a person claiming an interest in

the account.