Ala. Code
Code of Alabama

Ala. Code § 7-4-102 (2026)

Applicability.

✓ official Alabama Legislature (ALISON) text, current July 2026
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(a) To the extent that items within this article are also within Articles 3 and 8, they are subject to those articles. If there is conflict, this article governs Article 3, but Article 8 governs this article.

(b) The liability of a bank for action or non-action with respect to an item handled by it for purposes of presentment, payment, or collection is governed by the law of the place where the bank is located. In the case of action or non-action by or at a branch or separate office of a bank, its liability is governed by the law of the place where the branch or separate office is located.

(Acts 1965, No. 549, p. 811; repealed by Acts 1995, No. 95-668, p. 1381, §2; added by Acts 1995, No. 95-668, p. 1381, §2.)

Notes of Decisions
Cited in 2 cases (1 in the last 5 years), 2001–2025 · leading case: Cagle's Inc. v. Valley Nat'l Bank, 153 F. Supp. 2d 1288 (M.D. Ala. 2001).
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Cagle's Inc. v. Valley Nat'l Bank, 153 F. Supp. 2d 1288 (M.D. Ala. 2001). · cites it 5× “The Defendant argues that Alabama law applies because the Alabama Code states that the “liability of a bank for action or non-action with respect to an item handled by it .”
FirstBank v. Wells Fargo Bank, N.A. (M.D. Ala. 2025). · cites it 2× “” Ala. Code § 7-4-102 ; SDCL § 57A-4-102. Accordingly, the Court would have to determine whether the check was deposited with Wells Fargo virtually (in which case South Dakota law might apply, as Wells Fargo is based in South Dakota), or in person at an Alabama Wells Fargo…”
— Ala. Code § 7-4-102(b) — 1 case
Cagle's Inc. v. Valley Nat'l Bank, 153 F. Supp. 2d 1288 (M.D. Ala. 2001). “The Defendant argues that Alabama law applies because the Alabama Code states that the “liability of a bank for action or non-action with respect to an item handled by it .”
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