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MONREAL v. FLEET BANK

95 N.Y.2d 204 (2000)

735 N.E.2d 880

713 N.Y.S.2d 301

F. JAVIER MONREAL, Appellant, v. FLEET BANK, Respondent.

Court of Appeals of the State of New York.

Decided May 4, 2000.

Attorney(s) appearing for the Case

Engel & Engel, Syracuse (Richard C. Engel of counsel), for appellant.

Harris Beach & Wilcox, L. L. P., Rochester (Christopher P. Schueller and Thomas E. Taylor of counsel), for respondent.

Chief Judge KAYE and Judges BELLACOSA, SMITH, LEVINE, CIPARICK and WESLEY concur.

OPINION OF THE COURT

ROSENBLATT, J.

After a bank makes a statement of account available to its customer, the customer has one year to assert claims against the bank for negligently paying checks bearing alterations or forged signatures of the customer (see, UCC 4-406 [4]). We are asked to determine when the one-year period begins to run where, owing to the actions of a single wrongdoer, a bank charges...

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