{"data":{"id":"us-ms/miss.-code-ann.-75-4-401","jurisdiction":"us-ms","citation":"Miss. Code Ann. § 75-4-401","heading":"When bank may charge customer’s account.","body":"(a) A bank may charge against the account of a customer an item that is properly payable from that account even though the charge creates an overdraft. An item is properly payable if it is authorized by the customer and is in accordance with any agreement between the customer and bank.\n(b) A customer is not liable for the amount of an overdraft if the customer neither signed the item nor benefited from the proceeds of the item.\n(c) A bank may charge against the account of a customer a check that is otherwise properly payable from the account, even though payment was made before the date of the check, unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty. The notice is effective for the period stated in Section 75-4-403(b) for stop-payment orders, and must be received at such time and in such manner as to afford the bank a reasonable opportunity to act on it before the bank takes any action with respect to the check described in Section 75-4-303. If a bank charges against the account of a customer a check before the date stated in the notice of postdating, the bank is liable for damages for the loss resulting from its act. The loss may include damages for dishonor of subsequent items under Section 75-4-402.\n(d) A bank that in good faith makes payment to a holder may charge the indicated account of its customer according to:\n(1) The original terms of the altered item; or\n(2) The terms of the completed item, even though the bank knows the item has been completed unless the bank has notice that the completion was improper.","path":["Title 75. Regulation of Trade, Commerce and Investments","Chapter 4. Uniform Commercial Code—Bank Deposits and Collections","Part 4. Relationship Between Payor Bank and Its Customer."],"source_url":"https://archive.org/download/gov.ms.code.ann.2018/release78.2020.07.08/gov.ms.code.title.75.odt","current_through":"2020-07-08","vintage":"Mississippi Code Release 78 (2020-07), retrieved 2026-09-17","retrieved_at":"2026-10-27T05:54:13Z","sha256":"5887cca1093ce4f8d070ffe5f1c8ddc16f0466fb130447b2a877a904ceac551c","source_id":"us-ms","stale":false,"prev":"us-ms/miss.-code-ann.-75-4-303","next":"us-ms/miss.-code-ann.-75-4-402","notices":[{"id":"open-us-law","title":"Open US Law compilation","text":"Compilation CC BY 4.0, Open US Law (Vaquill AI). GroundRules uses only the releases published under CC BY 4.0: from v2026.09 the compilation is licensed CC BY-NC 4.0, and GroundRules does not use those releases. Each affected row names its release in its vintage label. GroundRules parsed and filtered the compilation to retain enacted text.","url":"https://huggingface.co/datasets/vaquill/open-us-law","license_url":"https://creativecommons.org/licenses/by/4.0/"},{"id":"pro-ms","title":"Mississippi Release 78 supplement","text":"Mississippi electronic product files were republished by Public.Resource.Org under a public-domain dedication. GroundRules uses enacted text from Release 78 only as a labeled supplement to the newer Open US Law rows.","url":"https://archive.org/details/gov.ms.code.ann.2018"}]},"notice":"GroundRules: Original legal text. Not legal advice."}