Florida Statute 673.1101 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXIX
COMMERCIAL RELATIONS

Chapter 673
UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS

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F.S. 673.1101

673.1101 Identification of person to whom instrument is payable.—

(1) The person to whom an instrument is initially payable is determined by the intent of the person, whether or not authorized, signing as, or in the name or behalf of, the issuer of the instrument. The instrument is payable to the person intended by the signer even if that person is identified in the instrument by a name or other identification that is not that of the intended person. If more than one person signs in the name or behalf of the issuer of an instrument and all the signers do not intend the same person as payee, the instrument is payable to any person intended by one or more of the signers.

(2) If the signature of the issuer of an instrument is made by automated means, such as a check-writing machine, the payee of the instrument is determined by the intent of the person who supplied the name or identification of the payee, whether or not authorized to do so.

(3) A person to whom an instrument is payable may be identified in any way, including by name, identifying number, office, or account number. For the purpose of determining the holder of an instrument, the following rules apply:

(a) If an instrument is payable to an account and the account is identified only by number, the instrument is payable to the person to whom the account is payable. If an instrument is payable to an account identified by number and by the name of a person, the instrument is payable to the named person, whether or not that person is the owner of the account identified by number.

(b) If an instrument is payable to:

1. A trust, an estate, or a person described as trustee or representative of a trust or estate, the instrument is payable to the trustee, the representative, or a successor of either, whether or not the beneficiary or estate is also named;

2. A person described as agent or similar representative of a named or identified person, the instrument is payable to the represented person, the representative, or a successor of the representative;

3. A fund or organization that is not a legal entity, the instrument is payable to a representative of the members of the fund or organization; or

4. An office or a person described as holding an office, the instrument is payable to the named person, the incumbent of the office, or a successor to the incumbent.

(4) If an instrument is payable to two or more persons alternatively, it is payable to any of them and may be negotiated, discharged, or enforced by any or all of them in possession of the instrument. If an instrument is payable to two or more persons not alternatively, it is payable to all of them and may be negotiated, discharged, or enforced only by all of them. If an instrument payable to two or more persons is ambiguous as to whether it is payable to the persons alternatively, the instrument is payable to the persons alternatively.

History.—s. 2, ch. 92-82.

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Amendments to 673.1101

Annotations, Discussions, Cases:

Cases Citing Statute 673.1101

Total Results: 10

Redland Co., Inc. v. Bank of America Corp.

568 F.3d 1232, 2009 U.S. App. LEXIS 7776, 2009 WL 1492616

Court of Appeals for the Eleventh Circuit | Filed: Apr 13, 2009 | Docket: 399413

Cited 21 times | Published

listed on the check's endorsement. Second, section 673.1101 of the Florida Code provides that the party

DEUTSCHE BANK TRUST COMPANY AMERICAS, etc. v. CHRISTOPHER HARRIS a/k/a CHRISTOPHER E. HARRIS

264 So. 3d 186

District Court of Appeal of Florida | Filed: Jan 23, 2019 | Docket: 13588109

Cited 2 times | Published

together with any indorsements or allonges. Section 673.1101, Florida Statutes (2017), provides that:

Hyatt Corp. v. PALM BEACH NAT. BANK

840 So. 2d 300, 49 U.C.C. Rep. Serv. 2d (West) 1039, 2003 Fla. App. LEXIS 1133, 2003 WL 244888

District Court of Appeal of Florida | Filed: Feb 5, 2003 | Docket: 1748327

Cited 2 times | Published

affirmative defense. The bank answered and raised Section 673.1101(4), Florida Statutes (1993) as an affirmative

Eduardo Gomez v. CVPort Services, LLC

District Court of Appeal of Florida | Filed: Jul 23, 2025 | Docket: 70891675

Published

CVPort demanded judgment. Gomez relies on section 673.1101(4), Florida Statutes, claiming that an instrument

Michelle Flaim v. Ryan Flaim

District Court of Appeal of Florida | Filed: Jul 9, 2025 | Docket: 70740039

Published

check was made payable to both parties. Under section 673.1101(4), Florida Statutes (2023): “If an instrument

VFS Leasing Co. v. Markel Insurance Company

Court of Appeals for the Eleventh Circuit | Filed: Oct 30, 2024 | Docket: 68313371

Published

Argued: Mar 7, 2024

this provision is dispositive in its favor. Section 673.1101(4), on the other hand, states that

EXPERT INSPECTIONS, LLC v. UNITED PROPERTY & CASUALTY INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Jan 5, 2022 | Docket: 61689415

Published

signature of both the assignee and the insured. See § 673.1101(4), Fla. Stat (2018) (“If an instrument is payable

Verizzo v. The Bank of New York Mellon

220 So. 3d 1262, 2017 Fla. App. LEXIS 8921, 2017 WL 2664323

District Court of Appeal of Florida | Filed: Jun 21, 2017 | Docket: 6078174

Published

second indorsement or as a successor trustee. See § 673.1101(3)(b)(1) (indicating that holder-ship of a note

ISRA HOMES, INC. v. Appley

78 So. 3d 724, 2012 WL 337007, 2012 Fla. App. LEXIS 1404

District Court of Appeal of Florida | Filed: Feb 3, 2012 | Docket: 2353901

Published

discharged, or enforced only by all of them. § 673.1101(4) (emphasis added). The documents cited in this

Lucas v. Bankatlantic

924 So. 2d 959, 59 U.C.C. Rep. Serv. 2d (West) 346, 2006 Fla. App. LEXIS 4967, 2006 WL 862903

District Court of Appeal of Florida | Filed: Apr 5, 2006 | Docket: 64843282

Published

signing as ... the issuer of the instrument.” § 673.1101(1), Florida Statutes (2004). As the issuer of