# Fla. Stat. § 717.105: 717.105 Checks, drafts, and similar instruments issued or certified by banking and financial organizations

> Florida · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.105

## Section

- **Citation:** Fla. Stat. § 717.105
- **Heading:** 717.105 Checks, drafts, and similar instruments issued or certified by banking and financial organizations
- **Jurisdiction:** Florida
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Florida Code / Title XL / Chapter 717 / Section 717.105

## Text

(1) Any sum payable on a check, draft, or similar instrument, except those subject to ss. 717.104 and 717.115, on which a banking or financial organization is directly liable, including, but not limited to, a cashier’s check or a certified check, which has been outstanding for more than 5 years after it was payable or after its issuance if payable on demand, is presumed unclaimed unless the owner, within 5 years, has communicated in writing with the banking or financial organization concerning it or otherwise indicated an interest as evidenced by a memorandum or other record on file with the banking or financial organization.

(2) No holder may deduct from the amount of any instrument subject to this section any charges imposed by reason of the failure to present the instrument for encashment unless there is a valid and enforceable written contract between the holder and the owner of the instrument pursuant to which the holder may impose those charges and does not regularly reverse or otherwise cancel those charges with respect to the instrument.

History: s. 6, ch. 87-105; s. 2, ch. 96-301; s. 6, ch. 2001-36.

## Nearby sections

- [Fla. Stat. § 717.001 717.001 Short title.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.001.md)
- [Fla. Stat. § 717.101 717.101 Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.101.md)
- [Fla. Stat. § 717.102 717.102 Property presumed unclaimed; general rule.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.102.md)
- [Fla. Stat. § 717.103 717.103 General rules for taking custody of intangible unclaimed property.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.103.md)
- [Fla. Stat. § 717.104 717.104 Traveler’s checks and money orders.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.104.md)
- [Fla. Stat. § 717.105 717.105 Checks, drafts, and similar instruments issued or certified by banking and financial organizations.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.105.md)
- [Fla. Stat. § 717.106 717.106 Bank deposits and funds in financial organizations.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.106.md)
- [Fla. Stat. § 717.107 717.107 Funds owing under life insurance policies, annuity contracts, and retained asset accounts; fines, penalties, and interest; United States Social Security Administration Death Master File.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.107.md)
- [Fla. Stat. § 717.108 717.108 Deposits held by utilities.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.108.md)
- [Fla. Stat. § 717.109 717.109 Refunds held by business associations.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.109.md)
- [Fla. Stat. § 717.111 717.111 Property of business associations held in course of dissolution.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.111.md)
- [Fla. Stat. § 717.112 717.112 Property held by agents and fiduciaries.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.112.md)
- [Fla. Stat. § 717.113 717.113 Property held by courts and public agencies.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.113.md)
- [Fla. Stat. § 717.115 717.115 Wages.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.115.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_FL_TXL_C717_S717.105. Check the current official text before relying on it. Not legal advice.