Gary Writes a Check Drawn on Hilltop Bank for $400

Multiple Choice

Gary writes a check drawn on Hilltop Bank for $400 "payable to Ivan" on May 1. Gary dies on May 3. Ivan presents the check to the bank on May 5. Unaware of Gary's death, the bank​

A) ​may pay the check.
B) ​must consult with Gary's heirs before paying the check.
C) ​must certify the check.
D) ​can do nothing until Ivan claims an interest in the account.