West Virginia Code § 46-4-405

Death or incompetence of customer
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(a) A payor or collecting bank's authority to accept, pay or collect an item or to account for
proceeds of its collection, if otherwise effective, is not rendered ineffective by incompetence
of a customer of either bank existing at the time the item is issued or its collection is
undertaken if the bank does not know of an adjudication of incompetence. Neither death nor
incompetence of a customer revokes the authority to accept, pay, collect or eaccount until the
bank knows of the fact of death or of an adjudication of incompetence and has reasonable
opportunity to act on it. r
(b) Even with knowledge a bank may for ten days after the date uof death pay or certify
checks drawn on or before that date unless ordered to stop payment by a person claiming an
interest in the account. t

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