Crawford v. JPMorgan Chase Bank, NA

Crawford (plaintiff) received a $200,000 check drawn on Entech's account at Chase (defendant), and Chase immediately issued her a cashier's check for the same amount; when Entech filed for bankruptcy days later and asked Chase to stop payment, Chase refunded Entech's account, and when Crawford tried to deposit the cashier's check shortly after, Chase refused to honor it. Crawford waited nearly six years before suing Chase; the district court dismissed her complaint, holding Chase's obligation on the original check was discharged by issuing the cashier's check and that the statute of limitations had run on any cashier's-check claim, and Crawford appealed.