99 F.2d 995 | D.C. Cir. | 1938
Appellant, who was . plaintiff below, brought this action against the bank (appellee) to: re'cover $29.43, with interest. The declaration alleges that one James-Watkins in his lifetime had on, deposit $2943 in a savings account in the defendant bank; that the deposit was ' evidenced by a pass book issued to Watkins in accordance with the bank’s rules and regulations for savings accounts; that the rules, which were print- ■ ed in the pass book, required that the book be brought to the bank whenever a deposit was made of money withdrawn; and that an entry of the transaction should then be made on the book; that-possession of the book should be sufficient evidence of ownership to authorize, the. payment Qf the amount on deposit and that no money should be paid out of the deposit except tn the person having the legal right thereto and who at the time of the withdrawal was in possession of the book. The declaration further alleges that Watkins on December 13, 1937, gave the money in the bank to appellant and delivered the pass book to her; that Watkins died on December 15, 1937, and that on February 1, 1938, appellant, accompanied by her attorney, presented the pass book to the bank and demanded payment of the account, but that the bank refused payment because it had previously paid the whole of the deposit to the administratrix of Watkins’ estate. The bank demurred to the declaration, and the trial court sustained the demurrer. Upon plaintiff’s declining to plead further, final judgment was entered and this appeal taken. -
Appellant insists that the controlling question on this appeal is: was there a valid gift of the savings account by the deceased to the plaintiff? But we think the question is whether the bank, without notice of the gift, had the right to transfer the account to the administratrix on her producing letters of administration. Viewed in this light; we think the answer, made by the lower court is correct. In this jurisdiction an administrator is vested by law with the right to possession of all the money, goods, chattels, rights, and credits of the deceased. Under the authority of her appointment, therefore, the administratrix here had not only the right but the duty to demand and receive possession of the whole personal estate of the decedent, and such right, of course, included the right to withdraw bank deposits standing in the name of the deceased. Appellant does not question this general proposition, but says that under the rules of the bank, which became a contract between the depositor and the bank, the deposit could not be withdrawn except upon production of the pass book, and consequently, when the bank paid the deposit to the administratrix without production of the book, it rendered itself liable to the assignee and holder thereof. In other words, appellant’s position is that if the deceased assigned the sum on deposit to her prior to his death by delivery to her of the pass book, the deceased had no further interest in the fund, and the bank in paying it out made itself liable to the holder of the b.ook. But we think this position overlooks the legal nature of a savings bank pass book which, so far as we know, is universally held to be a nonnegotiable in
Our conclusion, therefore, is that the action of the bank in making payment to the administratrix without knowledge of the transfer by gift of the deposit to appellant operated as a discharge of its indebtedness. We decide nothing as between appellant and the administratrix, who is not a party to this a'ction.
See on the subject generally: Vincent v. Port Huron Savings Bank, 147 Mich. 437, 111 N.W. 90; Maas v. German Savings Bank, 176 N.Y. 377, 68 N.E. 658, 98 Am.St.Rep. 689; McCaskill v. Connecticut Savings Bank, 60 Conn. 300, 22 A. 568, 13 L.R.A. 737, 25 Am.St.Rep. 323; Witte v. Vincenot, 43 Cal. 325; Brooks v. Erie County Savings Bank, 169 App.Div. 73, 154 N.Y.S. 692, affirmed, 224 N.Y. 639, 121 N. E. 857; Lang Engineering Co. v. Commonwealth, 231 Mass. 367, 120 N.E. 843; — all of which are cases bearing on the point discussed.
Affirmed without prejudice.