California Codes

Cal. Commercial Code § 11104 (2026)

✓ current as of May 2026
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In this division:

(a)“Funds transfer” means the series of transactions, beginning with the originator’s payment order, made for the purpose of making payment to the beneficiary of the order. The term includes any payment order issued by the originator’s bank or an intermediary bank intended to carry out the originator’s payment order. A funds transfer is completed by acceptance by the beneficiary’s bank of a payment order for the benefit of the beneficiary of the originator’s payment order.

(b)“Intermediary bank” means a receiving bank other than the originator’s bank or the beneficiary’s bank.

(c)“Originator” means the sender of the first payment order in a funds transfer.

(d)“Originator’s bank” means (i) the receiving bank to which the payment order of the originator is issued if the originator is not a bank, or (ii) the originator if the originator is a bank.

Notes of Decisions
Cited in 8 cases (6 in the last 5 years), 2020–2025 · leading case: Attisha Enter. Inc. v. Capital One Bank (S.D. Cal. 2020).
Attisha Enter. Inc. v. Capital One Bank (S.D. Cal. 2020). · cites it 3× “” Cal. Com. Code § 11104 (a). Nothing in that section 24 applies to opening an account Capital One allegedly knew was being created in a 25 fraudulent name.”
Solarmore Mgt. Servs., Inc. v. Bankr. Est. of DC Solar Solutions (E.D. Cal. 2022). · cites it 2× “” Cal. Com. Code § 11104 comment 22 4. An example of such a debit is where an insured authorizes 23 its insurer to order the insured’s bank to pay the insurance 24 company the policy premium.”
S&S Worldwide, Inc. v. Wells Fargo Bank, N.A. (N.D. Cal. 2020). · cites it 2× “3 See Cal. Com. Code § 11104 (a).5 4 As explained by the California Supreme Court, Article 4A, i.”
Grand Bayman Belize, Ltd. v. Wells Fargo & Co. (C.D. Cal. 2021). “21, 2017) (quoting Cal. Com. Code § 11104 (a)). Here, Grand Bayman (the 6 “originator”) requested that its bank (the “originator’s bank” or “receiving bank”) 7 issue a payment order to Wells Fargo (the “beneficiary’s bank”) to wire funds to 8 Account x3420, RAD Architecture (the…”
BPi Bright Power, Inc. v. Umpqua Holding Corp. d/b/a Umpqua Bank (N.D. Cal. 2023). “” Cal. Com. Code § 11104 (a). A “payment order” refers to “an instruction of a sender to a 23 receiving bank, transmitted orally, electronically, or in writing, to pay, or to cause another bank to 24 pay, a fixed or determinable amount of money to a beneficiary.”
Meridian Growers Processing, Inc. v. J.P. Morgan Chase Bank, N.A. (E.D. Cal. 2024). “” Cal. Com. Code § 11104 (a). “‘Originator’ means the sender of the first 5 payment order in a funds transfer.”
Ozer Holdings, LLC v. Citibank, Nat'l Ass'n (E.D. Cal. 2025). “25 Com. Code § 11104(a). “‘Originator’ means the sender of the first payment order in a funds transfer.”
Liu v. The Charles Schwab Corp. (N.D. Cal. 2025). “” Cal. Com. Code § 11104 (a). A “payment order,” in turn, “means an instruction of a 8 sender to a receiving bank, transmitted orally or in a record, to pay, or to cause another bank to 9 pay, a fixed or determinable amount of money to a beneficiary .”
— Cal. Commercial Code § 11104(a) — 1 case
Ozer Holdings, LLC v. Citibank, Nat'l Ass'n (E.D. Cal. 2025). “25 Com. Code § 11104(a). “‘Originator’ means the sender of the first payment order in a funds transfer.”
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