Article4. BANK DEPOSITS AND COLLECTIONS.  


Part 1. General Provisions and Definitions.
§ 7-4-101. Short title.
§ 7-4-102. Applicability.
§ 7-4-103. Variation by agreement; measure of damages; action constituting ordinary care.
§ 7-4-104. Definitions and index of definitions.
§ 7-4-105. "Bank"; "depositary bank"; "payor bank"; "intermediary bank"; "collecting bank"; "presenting bank."
§ 7-4-106. Payable through or payable at bank; collecting bank.
§ 7-4-107. Separate office of bank.
§ 7-4-108. Time of receipt of items.
§ 7-4-109. Delays.
§ 7-4-110. Electronic presentment.
§ 7-4-111. Statute of limitations; accrual of action.
Part 2. Collection of Items: Depositary and Collecting Banks.
§ 7-4-201. Status of collecting bank as agent and provisional status of credits, applicability of article; item indorsed "pay any bank."
§ 7-4-202. Responsibility for collection or return; when action timely.
§ 7-4-203. Effect of instructions.
§ 7-4-204. Methods of sending and presenting; sending directly to payor bank.
§ 7-4-205. Depositary bank holder of unindorsed item.
§ 7-4-206. Transfer between banks.
§ 7-4-208. Presentment warranties.
§ 7-4-207. Transfer warranties.
§ 7-4-209. Encoding and retention warranties.
§ 7-4-210. Security interest of collecting bank in items, accompanying documents, and proceeds.
§ 7-4-211. When bank gives value for purposes of holder in due course.
§ 7-4-212. Presentment by notice of item not payable by, through, or at bank; liability of drawer or indorser.
§ 7-4-213. Medium and time of settlement by bank.
§ 7-4-214. Right of charge-back or refund; liability of collecting bank; return of item.
§ 7-4-215. Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal.
§ 7-4-216. Insolvency and preference.
Part 3. Collection of Items: Payor Banks.
§ 7-4-301. Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank.
§ 7-4-302. Payor bank's responsibility for late return of item.
§ 7-4-303. 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.
§ 7-4-401. When bank may charge customer's account.
§ 7-4-402. Bank's liability to customer for wrongful dishonor; time of determining insufficiency of account.
§ 7-4-403. Customer's right to stop payment; burden of proof of loss.
§ 7-4-404. Bank not obligated to pay check more than six months old.
§ 7-4-405. Death or incompetence of customer.
§ 7-4-406. Customer's duty to discover and report unauthorized signature or alteration.
§ 7-4-407. Payor bank's right to subrogation on improper payment.
Part 5. Collection of Documentary Drafts.
§ 7-4-501. Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor.
§ 7-4-502. Presentment of "on arrival" drafts.
§ 7-4-503. Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need.
§ 7-4-504. Privilege of presenting bank to deal with goods; security interest for expenses.