Ala. Code
Code of Alabama

Ala. Code § 7-3-109 (2026)

Payable to Bearer or to Order.

✓ official Alabama Legislature (ALISON) text, current July 2026
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(a) A promise or order is payable to bearer if it:

(1) States that it is payable to bearer or to the order of bearer or otherwise indicates that the person in possession of the promise or order is entitled to payment;

(2) Does not state a payee; or

(3) States that it is payable to or to the order of cash or otherwise indicates that it is not payable to an identified person.

(b) A promise or order that is not payable to bearer is payable to order if it is payable (i) to the order of an identified person or (ii) to an identified person or order. A promise or order that is payable to order is payable to the identified person.

(c) An instrument payable to bearer may become payable to an identified person if it is specially indorsed pursuant to Section 7-3-205(a). An instrument payable to an identified person may become payable to bearer if it is indorsed in blank pursuant to Section 7-3-205(b).

(Acts 1995, No. 95-668, p. 1381, §1.)

Notes of Decisions
Cited in 2 cases, 1989–2014 · leading case: Trinae D. Watkins v. Regions Mortg., Inc., 555 F. App'x 922 (11th Cir. 2014).
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Trinae D. Watkins v. Regions Mortg., Inc., 555 F. App'x 922 (11th Cir. 2014). “See Ala.Code §§ 7-3-109(a), (c), -205(b); Thomas v.”
Brumfield v. Horn, 547 So. 2d 415 (Ala. 1989). “" Section 7-3-109 defines "payable at a definite time": "(1) An instrument is payable at a definite time if by its terms it is payable: *423 "(a) On or before a stated date or at a fixed period after a stated date; or "(b) At a fixed period after sight; or "(c) At a definite…”
— Ala. Code § 7-3-109(a) — 1 case
Trinae D. Watkins v. Regions Mortg., Inc., 555 F. App'x 922 (11th Cir. 2014). “See Ala.Code §§ 7-3-109(a), (c), -205(b); Thomas v.”
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