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1n an action 1owa 1t was held agent agreement amount apply authority Bank & Trust bank's bonds cashier certificate certificate of deposit chattel mortgage checks drawn collateral contract corporation County creditor debt default defendant bank demand demand note deposit depositor directors draft drawee bank drawer entitled executed failure Federal funds gage holder indebtedness indorser insolvent instrument interest liable lien loan maker maturity ment Minn mort mortgagor N. W. Rep N. Y. Supp National Bank National Bank Act non-negotiable notary note payable notice of dishonor officer Okla overdraft owner paid party payee person plaintiff pledged presentment president promissory note protest purchase received recover Savings Bank set-off shares signature signed statute of limitations statutory stockholder surety thereof tion tional Bank transfer trust company unmatured valid waived