LexisNexis ( November 20, 2017, 1:57 PM EST) -- In our prior story, we considered a Fourth Circuit case on the issue of whether a bank customer seeking to avoid problematic debits can give instructions using the term "account freeze" rather "stop payment." In okaying the customer's phrase, the court employed a "functional" rather than a formal test. Let's now stand back a bit and summarize the rules governing stop payment orders under the UCC....