156 Ga. 65 | Ga. | 1923
Mrs. W. A. Clifton brought suit in three counts against the Darien Bank. In the first count the plaintiff prayed for a judgment for $5,538.75, alleged to be the amount of certain checks and vouchers which the bank paid out of the plaintiff’s account, and which were not signed' by the plaintiff. The second count prayed for judgment for $15,996.24, being the amount of certain sums alleged to' be improperly charged against the plaintiff’s account, in that the checks, drafts, and charges were signed by a person other than the plaintiff' and without her authority. The third count alleged that the cashier of the bank withdrew large sums of money from plaintiff’s deposit account, and that a signature was procured to a note for $3500 of which the plaintiff never received the proceeds, and which was never credited to her account, and that other sums should have been credited but were not credited to her account; and plaintiff prayed for an accounting and a judgment for all sums found to be due her upon such accounting.- The defendant filed demurrers, general and special, to the petition; and the plaintiff thereupon filed amendments to the petition, to meet the special demurrer. The court overruled the demurrers, and the defendant excepted.
The ground of demurrer to the first count of the petition is as follows: (1) No-cause of action is set out. (2) Plaintiff fails to allege that she has not received, directly or indirectly, the sums claimed to have been deposited by her. (3) Plaintiff fails to allege that she did not withdraw the- sums nor authorize any one to withdraw the same, nor what amount she had on deposit.
The first count of the petition alleges that the plaintiff for many years has been a depositor in the defendant bank, that she deposited various sums on certain dates, all aggregating the sum of $19,759.12, and that the bank charged certain sums against her account, aggregating $5,538.75, as shown by exhibit A to the petition, which sums were paid out by the defendant upon cheeks and vouchers signed in the name of plaintiff, but which she neither
The second count of the petition is substantially the same as the first count, except that the petition alleges that the amounts deposited by plaintiff in the bank, and alleged to have been improperly paid out, as set out in the exhibit to the petition, aggregated the sum of $15,996.24; and'by amendment the manner of-signing the checks and vouchers as to each of the items is set out in the exhibit. The demurrer to the second count is similar to that filed to the first count, except that the demurrer sets out that the plaintiff fails to allege that she did not'receive in person or by agent the sums claimed to have been deposited by her in whole or in part, or what amount she did receive of the deposit; and also that plaintiff fails to allege that she did not withdraw nor authorize any one else to withdraw the deposits, and that the deposits had not been used for her benefit, or with her knowledge and approval. What has been said in the foregoing division of this opinion, with reference to the demurrer to the first count, is applicable to the demurrer to the second count, and the special demurrer to the second count was also met by amendment to the petition.
We are of the opinion that the third count of plaintiff’s petition alleges facts which are sufficient to withstand the demurrers filed against it. It is insisted in the ground of general demurrer that Space, the cashier, was acting as plaintiff’s agent and adviser; and therefore, if the plaintiff’s agent withdrew money from the bank, that the bank was not responsible therefor. It is true the petition does allege that the cashier was advising the plaintiff; but the allegations negative the fact that the cashier was the agent for the plaintiff in cheeking out money from the bank belonging to the depositor without her authority or consent. The allegations are to the- effect that while Space was cashier of the bank he withdrew money deposited there to her account without plaintiff’s authority, and the bank would be liable for money deposited, by the plaintiff in her own name, which was paid out upon the signature of any other person without her authority or upon her own signature, if that signature had been fraudulently and wrongfully placed upon a check or draft on the bank without her consent or authority. It is also insisted that the petition fails to allege that the cashier of the bank was acting within the scope of his authority in checking out the various amounts alleged to have been checked out by him from the money deposited in the bank by the plaintiff. It is alleged in the petition that Space was the cashier of the bank, and that he withdrew certain sums of money deposited by the plaintiff in the bank without any authority from her. Assuming these allegations to be true, in paying money to himself without the authority or consent of the plaintiff the defendant bank would be responsible therefor. It will be observed that the money was not deposited with Space individually, but was deposited with the bank as such, and that the money so deposited was paid out by the bank through the cashier without the authority of the plaintiff. •In such circumstances it was the bank itself which improperly paid out the money, and it would be liable therefor. 2 Michie Banks & Banking, 1090; Lowndes v. City Nat. Bank, 82 Conn. 8 (72 Atl. 150, 22 L. R. A. (N. S.) 408).
Another ground of the demurrer to the third count is that the petition is vague, uncertain, and duplicitous. This ground is
The petition sets out a cause of action, and the court did not err in overruling the demurrers.
Judgment affirmed.