An Oregon commercial bank or a national bank may refuse to pay any check, draft or order drawn upon it when the officers or employees of the bank have reason to believe that the person signing or indorsing the instrument was so under the influence of liquor, drugs or controlled substances or that the person is otherwise so incapacitated as to make it reasonably doubtful whether the person was at the time of signing or indorsing the check, draft or order capable of transacting business. [1997 c.631 §170]
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