246 N.C. 672 | N.C. | 1957
The judgment of nonsuit is an adjudication that the evidence, viewed in the light most favorable to plaintiff, is insufficient to support a favorable finding for the plaintiff on the issues raised by the pleadings. Goldsboro v. R. R., ante, 101.
Section 4 of the complaint in substance alleges: On 3 January 1952 plaintiff and her husband opened a joint savings account with defendant bank in the amount of $1,871.75. Subsequently $200 was deposited. No withdrawals were made except for a part of the interest which had accrued. The amount on deposit at the death of James D. Sides was $2,130.47.
Section 5 of the complaint alleges that plaintiff had made demand on the bank for the deposit but payment had been refused, “that the
Section 10 of the complaint alleges: “That the money deposited in said account was actually money which belonged to the said James D. Sides.”
Defendant bank responded to these allegations of the complaint thus:
“4. Answering the allegations of the fourth paragraph, this defendant says and alleges that on or about January 3, 1952 James D. Sides opened up a savings account with this defendant, and since said date had made several deposits to said account, and that said account now approximates $2,130.47, and that at the request of James D. Sides a pass book was issued to James D. Sides and Mrs. James D. Sides.”
“5. It is admitted that plaintiff has requested this defendant to be permitted to withdraw the entire balance of said account of James D. Sides, and that this request has been denied for the reason that the defendant, Godfrey Sides, contends that he is entitled to the remaining balance.”
'TO. That as this defendant is advised and' believes, the allegations of the tenth paragraph are true.”
Godfrey Sides, in his answer, admitted when James D. Sides died there was on deposit with defendant bank the sum of $2,130.47 in the name of “James D. Sides and/or Godfrey Sides.” He alleges in his further answer that the funds were deposited by James D. Sides “pursuant to an agreement, based upon a valuable consideration, that the same should be a joint account with right of survivorship to the surviving of them.” ■
Plaintiff offered in evidence sections 4, 5, and 10 of the complaint and the corresponding sections of the answer of the bank. Plaintiff also offered in evidence a duplicate deposit book issued by the bank 3 November 1952, account number 03949, for the account “James D. Sides, Route 1, Bessemer City, N. C.” This book shows a balance on 11 July 1956 on deposit of .$2,130.47. She also offered the bank’s ledger sheét entitled at the top “James D. Sides or Godfrey Sides, Rt. 1, Bessemer City Duplicate book issued Nov. 3, 1952.” This ledger sheet shows deposits and withdrawals beginning with a deposit of $200 on 27 December 1951 and terminating 29 March 1957, with a balance on 29 June 1956 of $2,130.47. The additions since June 1952 represent interest accrued. At the bottom of this ledger sheet is the statement: “My signature on this card opposite each withdrawal is an acknowledgment that the withdrawal and the. extended balance are correct.” Following this are the names “James D. Sides, Godfrey Sides.” The only withdrawal supported by a signature is $27.19 on 30 March 1954, signed by
The admission by the bank that James D. Sides was the owner of the monies deposited established the relation of debtor and creditor between it and the depositor. Bank v. Weaver, 213 N.C. 767, 197 S.E. 551; Williams v. Hood, Comr., 204 N.C. 140, 167 S.E. 574; Woody v. Bank, 194 N.C. 549, 140 S.E. 150. When the defendant bank admitted the deposit, the burden rested on it of showing it had discharged its debt. As said by Walker, J., in Churchwell v. Trust Co., 181 N.C. 21, 105 S.E. 889: “If the bank received the fund, and has not paid it to the depositor or to his representative, on demand, it is liable to plaintiff, unless in some way excused for the default, and the burden of showing this is upon it. If the other defendant claims the fund, he must show it. (citing authorities) 'A deposit should not be transferred from one account to another without ample authority, and what is sufficient authority is a question of fact (and law), which is to be answered whenever it arises.’” Boney v. Bank, 190 N.C. 863, 129 S.E. 583; Bank v. Thompson, 174 N.C. 349, 93 S.E. 849; Yarborough v. Trust Co., 142 N.C. 377; McQueen v. Bank, 111 N.C. 509.
The fact that plaintiff introduced the ledger sheet captioned “James D. Sides or Godfrey Sides,” when considered with the admissions in the answer, does not suffice to defeat the right of plaintiff administratrix. Hall v. Hall, 235 N.C. 711, 71 S.E. 2d 471; Redmond v. Farthing, 217 N.C. 678, 9 S.E. 2d 405; Nannie v. Pollard, 205 N.C. 362, 171 S.E. 341.
Plaintiff has shown facts sufficient to justify an affirmative finding that the monies on deposit belong to the estate of James D. Sides. If plaintiff is to be defeated, defendants have the burden of showing how the debt of the bank to James D. Sides was discharged.
Reversed.