§12A-4A-204.

§12A-4A-204.
   
   REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO
   UNAUTHORIZED PAYMENT ORDER
   
   (a) If a receiving bank accepts a payment order issued in the name of
   its customer as sender which is (i) not authorized and not effective
   as the order of the customer under Section 10 of this act, or (ii) not
   enforceable, in whole or in part, against the customer under Section
   11 of this act, the bank shall refund any payment of the payment order
   received from the customer to the extent the bank is not entitled to
   enforce payment and shall pay interest on the refundable amount
   calculated from the date the bank received payment to the date of the
   refund. However, the customer is not entitled to interest from the
   bank on the amount to be refunded if the customer fails to exercise
   ordinary care to determine that the order was not authorized by the
   customer and to notify the bank of the relevant facts within a
   reasonable time not exceeding ninety (90) days after the date the
   customer received notification from the bank that the order was
   accepted or that the customer's account was debited with respect to
   the order. The bank is not entitled to any recovery from the customer
   on account of a failure by the customer to give notification as stated
   in this section.
   
   (b) Reasonable time under subsection (a) of this section may be fixed
   by agreement as stated in paragraph (1) of Section 1-201 of Title 12A
   of the Oklahoma Statutes, but the obligation of a receiving bank to
   refund payment as stated in subsection (a) may not otherwise be varied
   by agreement.