100 Pa. 23 | Pa. | 1882
delivered the opinion of the court, April 17th 1882.
It may be regarded as settled that the holder of a check can
But if the bank expressly or impliedly promise the drawer to pay the check, the holder may sue if payment be refused. Thus, when a check was drawn to C., and B. indorsed C.’s name without authority and received the money, the bank having deducted the check from the drawer’s account and settled with him on that basis, it was held that the conduct of the bank was an acceptance, and that 0. could recover from the bank: Seventh Nat. Bank v. Cook, 73 Pa. St. 483. When a depositor settles his account with the bank, and leaves the exact amount of an outstanding check expressly for its payment, and the bank tacitly retains the money and settles on that basis, it is liable to the holder on the implied acceptance. All parties to the check would naturally infer from such action that the bank retained the money for use of the holder.
Saylor received the check on October 18th 1877, and presented it in November following, when payment was refused, with the remark that the bank had suspended and was using all alike. In May 1878, Yeich called on the bank for a note for the amount due, to be determined by the stubs of his checkbook, and a note was given for the balance. In making out the balance Saylor’s check was deducted from the credits, just as the other checks were, except that some interest was allowed for Saylor. Yeich did not want to make himself liable to Saylor by including his check in the note, and directed the check to be left out. These are the facts the jury would likely have found
Saylor was holding the chock, and the defendants knew it. In settlement with the drawer, at liis request, they kept of his money the amount of the check for the purpose of its payment. No other purpose was expressed, and no other could be inferred. It matters not that the amount of the check was not formally charged against Yeich and credited to Saylor. Had that been done, it would have evidenced the plaintiff’s right to recover on the count for money had and received, held by the defendants and appropriated by the drawer to the plaintiff’s use, and, therefore under an implied promise to him to pay it on demand: Seventh Nat. Bank v. Cook, supra. If the facts are proved otherwise than by the books, the result is the same.
It is unnecessary to specially remark the several assignments of error. The learned judge of the Common Pleas thought the evidence insufficient to warrant a finding' by the jury that, in the settlement, the defendants kept the amount of Saylor’s check under an agreement with Yeich to pay the same to Saylor. We think it was ample, and should have been submitted.
Judgment reversed and venire facias de novo awarded.