Article 4 - Bank Deposits and Collections (Contains: §§ 101 – 504)
- § 101 - Short title
- § 102 - Applicability
- § 103 - Variation by agreement; measure of damages; action constituting ordinary care
- § 104 - Definitions and index of definitions
- § 105 - 'Bank'; 'depository bank'; 'intermediary bank'; 'collecting bank'; 'payor bank'; 'presenting bank'
- § 106 - Payable through or payable at bank; collecting bank
- § 107 - Separate office of bank
- § 108 - Time of receipt of items
- § 109 - Delays
- § 110 - Electronic presentment
- § 111 - Statute of limitations
- § 201 - Status of collecting bank as agent and provisional status of credits; applicability of article; item indorsed 'pay any bank'
- § 202 - Responsibility for collection or return; when action timely
- § 203 - Effect of instructions
- § 204 - Methods of sending and presenting; sending directly to payor bank
- § 205 - Depositary bank holder of unindorsed item
- § 206 - Transfer between banks
- § 207 - Transfer warranties
- § 208 - Presentment warranties
- § 209 - Encoding and retention warranties
- § 210 - Security interest of collecting bank in items, accompanying documents and proceeds
- § 211 - When bank gives value for purposes of holder in due course
- § 212 - Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser
- § 213 - Medium and time of settlement by bank
- § 214 - Right of charge-back or refund; liability of collecting bank; return of item
- § 215 - Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal
- § 216 - Insolvency and preference
- § 301 - Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank
- § 302 - Payor bank's responsibility for late return of item
- § 303 - When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified
- § 401 - When bank may charge customer's account
- § 402 - Bank's liability to customer for wrongful dishonor; time of determining insufficiency of account
- § 403 - Customer's right to stop payment; burden of proof of loss
- § 404 - Bank not obliged to pay check more than six months old
- § 405 - Death or incompetence of customer
- § 406 - Customer's duty to discover and report unauthorized signature or alteration
- § 407 - Payor bank's right to subrogation on improper payment
- § 501 - Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor
- § 502 - Presentment of 'on arrival' drafts
- § 503 - Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need
- § 504 - Privilege of presenting bank to deal with goods; security interest for expenses