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30 days ABA recommended accept adverse claim agent collecting bank amount application appointed approval assets attorney authorized bank or trust bank records banking business BANKING CODE board of directors capital and surplus certificate charge charter copy corporate action court creditors deemed Department deposit account depositor Deputy Commissioner drafted drawee or payor duties examination executive Federal Reserve System filing holder incompetent indorsement instrument interest investment issued jurisdiction lease legislation lessee lessor liability liquidation meeting merger merging bank national bank negotiable instrument notary public obligations officer or employee officers and employees otherwise paid palicy payable penalty period prescribe prior pursuant quorum real estate receipt received written notice regulations repealed require Resulting State Bank safe deposit box safe deposit facilities SECTION shares statement thereof tion Title transaction trust company trustee in bankruptcy Unlawful unless vote vouchers