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WESBANCO BANK, INC. v. ELLIFRITZ

No. 21-0913.

889 S.E.2d 682 (2023)

WESBANCO BANK, INC., Petitioner, v. Crystal Gayle ELLIFRITZ, Respondent.

Supreme Court of Appeals of West Virginia.

Filed: June 15, 2023.

Attorney(s) appearing for the Case

James C. Gardill, Esq. , Phillips Gardill Kaiser & Altmeyer PLLC, Wheeling, West Virginia and James A. Walls, Esq. , Morgantown, West Virginia, Joseph A. Ford, Esq. , Charleston, West Virginia, Spillman Thomas & Battle, PLLC, Counsel for Petitioner, Wesbanco Bank, Inc.

Frank E. Simmerman, Jr, Esq. , Chad L. Taylor, Esq. , Frank E. Simmerman, III, Esq. , Simmerman Law Office, PLLC, Clarksburg, West Virginia, Counsel for Respondent Crystal Gayle Ellifritz.

Sandra M. Murphy, Esq. , Thomas A. Heywood, Esq. , J. Mark Adkins, Esq. , Peter G. Markham, Esq. , Bowles Rice LLP, Charleston, West Virginia, Counsel for Amici Curiae Community, Bankers of West Virginia and the West Virginia Bankers Association.

In 2018 Respondent Crystal Gayle Ellifritz ("Ms. Ellifrtiz") presented to WesBanco Bank, Inc. ("WesBanco" or "the bank") and demanded payment of an original, unendorsed money market certificate of deposit ("certificate of deposit," "CD," or "certificate") originally issued in 1980 by Central National Bank and payable to either Ms...

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