Born v. First National Bank

On the 30th day of January, 1886, the appellant was indebted to the appellee, and, after twelve o’clock, noon, of that day, he delivered to it a certified-check drawn by him on Ritzinger’s bank, in which bank he then had money on deposit. The banks of the city of Indianapolis had a long established rule requiring all checks presented after twelve o’clock, noon, to be certified by the bank upon which they were drawn, and it was the well-known custom of such banks to immediately charge the checks certified by them against the depositor. This was done in this instance, and the amount of the…