A Bank's Right or Duty to Charge a Depositor's Account

A bank's right or duty to charge a depositor's account for a check can be terminated when a:

A) stop-payment order from the depositor after the bank has certified a check.
B) depositor files a bankruptcy petition.
C) notice of garnishment of the account by the depositor.
D) creditor of the depositor files a bankruptcy petition after the notified cut-off hour on the banking day after the check is received.