The Oral Stop Payment Order Marie wrote Ray a check for landscaping her front

The Oral Stop Payment Order

Marie wrote Ray a check for landscaping her front lawn. Marie paid Ray in advance. The check was dated for five days later than the date of
issuance. Ray was supposed to start landscaping on Monday. That Friday Ray still had not shown up to do the job. Marie had the work done by someone else.
Marie gave her bank Second Citizens an oral stop payment order on the check to Ray. Twenty-three months later the check emerged and Second Citizens honored
it. Marie has filed suit against Second Citizens for acting unreasonably under the circumstances.

Is Second Citizens liable to Marie for paying the 23-month-old check when there was an oral stop payment order? What
laws are applicable to this fact pattern? Discuss your reasons for your answer.

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