Section 4--405. Death or Incompetence of Customer.

(1) A payor or collecting bank's authority to accept, pay or collect
an item or to account for proceeds of its collection if otherwise
effective is not rendered ineffective by incompetence of a customer of
either bank existing at the time the item is issued or its collection is
undertaken if the bank does not know of an adjudication of incompetence.
Neither death nor incompetence of a customer revokes such authority to
accept, pay, collect or account until the bank knows of the fact of
death or of an adjudication of incompetence and has reasonable
opportunity to act on it.

(2) Even with knowledge a bank may for ten days after the date of
death pay or certify checks drawn on or prior to that date unless
ordered to stop payment by a person claiming an interest in the account.