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CHAPTER 57A-4

BANK DEPOSITS AND COLLECTIONS

PART 1. GENERAL PROVISIONS AND DEFINITIONS.

57A-4-101      Short title.
57A-4-102      Applicability.
57A-4-103      Variation by agreement--Measure of damages--Certain action constituting ordinary care.
57A-4-104      Definitions and index of definitions.
57A-4-105      "Bank"--"Collecting bank"--"Depositary bank"--"Intermediary bank"--"Payor bank"--"Presenting bank".
57A-4-106      Payable through or payable at bank--Collecting bank.
57A-4-107      Separate office of a bank.
57A-4-108      Time of receipt of items.
57A-4-109      Delays.
57A-4-110      Electronic presentment.
57A-4-111      Statute of limitations.

PART 2. COLLECTION OF ITEMS: DEPOSITARY AND COLLECTING BANKS.

57A-4-201      Status of collecting bank as agent and provisional status of credits--Applicability of chapter--Item indorsed "pay any bank".
57A-4-202      Responsibility for collection or return--When action timely.
57A-4-203      Effect of instructions.
57A-4-204      Methods of sending and presenting--Sending directly to payor bank.
57A-4-205      Depositary bank holder of unendorsed item.
57A-4-206      Transfer between banks.
57A-4-207      Transfer warranties.
57A-4-208      Presentment warranties.
57A-4-209      Encoding and retention warranties.
57A-4-210      Security interest of collecting bank in items, accompanying documents, and proceeds.
57A-4-211      When bank gives value for purposes of holder in due course.
57A-4-212      Presentment by notice of item not payable by, through, or at a bank--Liability of drawer or indorser.
57A-4-213      Medium and time of settlement by bank.
57A-4-214      Right of charge-back or refund; Liability of collecting bank; Return of item.
57A-4-215      Final payment of item by payor bank--When provisional debits and credits become final--When certain credits become available for withdrawal.
57A-4-216      Insolvency and preference.
PART 3. COLLECTION OF ITEMS: PAYOR BANKS.

57A-4-301      Deferred posting--Recovery of payment by return of items--Time of dishonor--Return of items by payor bank.
57A-4-302      Payor bank's responsibility for late return of item.
57A-4-303      When items subject to notice, stop-payment order, legal process, or setoff--Order in which items may be charged or certified.
PART 4. RELATIONSHIP BETWEEN PAYOR BANK AND ITS CUSTOMER.

57A-4-401      When bank may charge customer's account.
57A-4-402      Bank's liability to customer for wrongful dishonor--Time of determining insufficiency of account.
57A-4-403      Customer's right to stop payment--Burden of proof of loss.
57A-4-404      Bank not obligated to pay check more than six months old.
57A-4-405      Death or incompetence of customer.
57A-4-406      Customer's duty to discover and report unauthorized signature or alteration.
57A-4-407      Payor bank's right to subrogation on improper payment.
PART 5. COLLECTION OF DOCUMENTARY DRAFTS.

57A-4-501      Handling of documentary drafts; Duty to send for presentment and to notify customer of dishonor.
57A-4-502      Presentment of "on arrival" drafts.
57A-4-503      Responsibility of presenting bank for documents and goods--Report of reasons for dishonor--Referee in case of need.
57A-4-504      Privilege of presenting bank to deal with goods--Security interest for expenses.


Back to Title 57A