---
type: "Bill"
title: "Deposit account agreements."
description: "Provides that a deposit account agreement between a depository financial institution and a depositor may be changed or amended from time to time, subject to the terms of the deposit account agreement. Provides that a depositor's continued maintenance of a deposit account after the effective date of any change or amendment to the deposit account agreement, as described in a written notice from the depository financial institution, constitutes prima facie evidence of the depositor's intent to accept the change or amendment."
jurisdiction: "us/states/in"
legislature: "Indiana General Assembly"
session: "2024"
identifier: "HB 1284"
citation: "Indiana HB 1284 (2024)"
classification: ["bill"]
subjects: ["FINANCIAL SERVICES; Financial Accounts (Not Including State Pensions)", "FINANCIAL SERVICES; Financial Institutions"]
status: "enacted"
primary_sponsors: ["Kyle Pierce", "Mike Gaskill", "Scott Alexander", "Scott Baldwin"]
version_count: 4
action_count: 26
vote_count: 5
first_action: "2024-01-09"
last_action: "2024-03-12"
source: "openstates"
source_identifier: "ocd-bill/ba0b87a5-db1e-4132-90b8-b3c8ff3b315c"
source_url: "https://api.iga.in.gov/2024/bills/hb1284"
source_hash: "c37c3f8ecc571a50b5b5ae8f79639acc3801b0ae950c81f2e6626ab0a71a50ec"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-in"]
---

# Indiana HB 1284 (2024) — Deposit account agreements.

Provides that a deposit account agreement between a depository financial institution and a depositor may be changed or amended from time to time, subject to the terms of the deposit account agreement. Provides that a depositor's continued maintenance of a deposit account after the effective date of any change or amendment to the deposit account agreement, as described in a written notice from the depository financial institution, constitutes prima facie evidence of the depositor's intent to accept the change or amendment.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Engrossed House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1284/HB1284.04.ENGS.pdf)
2. **Enrolled House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1284/HB1284.05.ENRS.pdf)
3. **House Bill (S)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1284/HB1284.03.COMS.pdf)
4. **Introduced House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1284/HB1284.01.INTR.pdf)

## Votes

- HB 1284 - Pierce K - 2nd Reading — **25–64** (fail) · lower
- HB 1284 - Gaskill - 2nd Reading — **8–41** (fail) · upper
- HB 1284 - Gaskill - 3rd Reading — **28–21** (pass) · upper
- HB 1284 - Pierce K — **66–20** (pass) · lower
- HB 1284 - Pierce K - 3rd Reading — **91–4** (pass) · lower

## Sponsors

- Kyle Pierce — primary (person)
- Mike Gaskill — primary (person)
- Scott Alexander — primary (person)
- Scott Baldwin — primary (person)
- Jake Teshka — coauthor (person)
- Kyle Walker — cosponsor (person)
- Mike Speedy — coauthor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-01-09** First reading: referred to Committee on Financial Institutions `reading-1, referral-committee`
- **2024-01-09** Authored by Representative Pierce K
- **2024-01-09** Coauthored by Representatives Speedy and Teshka
- **2024-01-25** Committee report: do pass, adopted `committee-passage`
- **2024-01-29** Second reading: ordered engrossed `reading-2`
- **2024-01-29** Amendment #1 (Harris) failed; Roll Call 56: yeas 25, nays 64 `amendment-failure, failure`
- **2024-01-30** Senate sponsor: Senator Gaskill
- **2024-01-30** Third reading: passed; Roll Call 92: yeas 91, nays 4 `passage, reading-3, reading-3`
- **2024-01-31** Referred to the Senate `referral`
- **2024-02-07** First reading: referred to Committee on Insurance and Financial Institutions `reading-1, referral-committee`
- **2024-02-15** Committee report: do pass, adopted `committee-passage`
- **2024-02-19** Senator Baldwin added as third sponsor
- **2024-02-19** Second reading: amended, ordered engrossed `reading-2`
- **2024-02-19** Amendment #2 (Qaddoura) failed; Roll Call 155: yeas 8, nays 41 `amendment-failure, failure`
- **2024-02-19** Amendment #3 (Gaskill) prevailed; voice vote `amendment-passage`
- **2024-02-19** Senator Walker K added as cosponsor
- **2024-02-19** Senator Alexander added as second sponsor
- **2024-02-20** Third reading: passed; Roll Call 173: yeas 28, nays 21 `passage, reading-3, reading-3`
- **2024-02-21** Returned to the House with amendments `receipt`
- **2024-02-28** House concurred in Senate amendments; Roll Call 245: yeas 66, nays 20
- **2024-02-28** Motion to concur filed `filing`
- **2024-03-04** Signed by the Speaker `passage`
- **2024-03-05** Signed by the President Pro Tempore `passage`
- **2024-03-12** Signed by the Governor `executive-signature`
- **2024-03-08** Signed by the President of the Senate `passage`
- **2024-03-12** Public Law 88 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ba0b87a5-db1e-4132-90b8-b3c8ff3b315c`. Confidence: reported (aggregated from official Indiana legislature records).