Quimbee logo with url
From our private database of 14,500+ case briefs...

Twin City Bank v. Isaacs

Arkansas Supreme Court
672 S.W.2d 651 (1984)


Kenneth and Vicki Isaacs (plaintiffs) had a checking account with Twin City Bank (Twin City) (defendant). The Isaacses reported to Twin City that their checkbook was missing. Subsequently, two forged checks were written on the Isaacses’ account. Concerned that the Isaacses were somehow involved with the forged checks, Twin City froze the Isaacses’ account, which contained a balance of approximately $2,000. The person responsible for the forged checks was quickly charged and convicted. However, Twin City refused to unfreeze the Isaacses’ account. Two of the Isaacses’ vehicles were repossessed, because the Isaacses did not have access to their funds. The Isaacses were unable to secure credit because of their account’s status and had to borrow funds from their friends and family. An earnest-money check that the Isaacses had written for a home they were planning to buy was dishonored. The financial strain caused substantial problems in the Isaacses’ marriage. The Isaacses filed suit against Twin City for the wrongful dishonor of their checks and the wrongful withholding of their funds. The Isaacses’ account remained frozen for approximately four years, during which time Twin City continued to charge the Isaacses’ account with service charges and overdraft fees on checks that had been written before the forgeries occurred but presented after the account was frozen. The jury awarded the Isaacses $18,500 in compensatory damages, including damages for mental suffering, loss of value of the repossessed vehicles, loss of credit, and loss of the bargain of a house. Twin City appealed the denial of its motion for a new trial.

Rule of Law


Holding and Reasoning (Hays, J.)

What to do next…

  1. Unlock this case brief with a free (no-commitment) trial membership of Quimbee.

    You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.

  2. Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.

    Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.

Here's why 270,000 law students have relied on our case briefs:

  • Written by law professors and practitioners, not other law students. 14,500 briefs, keyed to 195 casebooks. Top-notch customer support.
  • The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
  • Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
  • Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.