In Trust Company Bank v. Atlanta IBM Employees Federal Credit Union, the Georgia Supreme Court held that a missing endorsement is equivalent to an unauthorized endorsement for purposes of Georgia Code Ann. section 109A-4-406(4)." This section limits a bank customer to a one year period in which to discover and report unauthorized endorsements on checks.
Cassidy, Suzanne Loyd
"Drawers:. Check for Missing Endorsements on Joint Payee Checks,"
Mercer Law Review: Vol. 32
, Article 23.
Available at: https://digitalcommons.law.mercer.edu/jour_mlr/vol32/iss1/23