Refrigerated Transport Co., Inc., employed a collection agency to collect some of its overdue accounts. The collection agency indorsed, without authority, checks made payable to Refrigerated Transport and deposited them in the agency’s own checking account. Was the bank that accepted the checks for deposit a holder in due course? Why or why not? Nat’l Bank v. Refrigerated Transp., 248 S.E.2d 496 (GA).