Chapter 45.04. - BANK DEPOSITS AND COLLECTIONS
- Article 01 - GENERAL PROVISIONS AND DEFINITIONS
- Sec. 45.04.101. - Short title.
- Sec. 45.04.102. - Applicability.
- Sec. 45.04.103. - Variation by agreement; measure of damages; certain action constituting ordinary care.
- Sec. 45.04.104. - Definitions and index of definitions.
- Sec. 45.04.105. - "Bank"; "depositary bank"; "intermediary bank"; "collecting bank"; "payor bank"; "presenting bank.".
- Sec. 45.04.106. - Payable through or payable at bank; collecting bank.
- Sec. 45.04.107. - Separate office of a bank.
- Sec. 45.04.108. - Time of receipt of items.
- Sec. 45.04.109. - Delays.
- Sec. 45.04.110. - Electronic presentment.
- Sec. 45.04.111. - Statute of limitations.
- Article 02 - COLLECTION OF ITEMS: DEPOSITARY AND COLLECTING BANKS
- Sec. 45.04.201. - Status of collecting bank as agent and provisional status of credits; applicability; item endorsed "pay any bank".
- Sec. 45.04.202. - Responsibility for collection or return; when action timely.
- Sec. 45.04.203. - Effect of instructions.
- Sec. 45.04.204. - Methods of sending and presenting; sending directly to payor bank.
- Sec. 45.04.205. - Depositary bank holder of unendorsed item.
- Sec. 45.04.206. - Transfer between banks.
- Sec. 45.04.207. - Transfer warranties.
- Sec. 45.04.208. - Presentment warranties.
- Sec. 45.04.209. - Encoding and retention warranties.
- Sec. 45.04.210. - Security interest of collecting bank in items, accompanying documents, and proceeds.
- Sec. 45.04.211. - When bank gives value for purposes of holder in due course.
- Sec. 45.04.212. - Presentment by notice of item not payable by, through, or at a bank; liability of drawer or endorser.
- Sec. 45.04.213. - Medium and time of settlement by bank.
- Sec. 45.04.214. - Right of charge back or refund; liability of collecting bank; return of item.
- Sec. 45.04.215. - Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal.
- Sec. 45.04.216. - Insolvency and preference.
- Article 03 - COLLECTION OF ITEMS: PAYOR BANKS
- Sec. 45.04.301. - Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank.
- Sec. 45.04.302. - Payor bank's responsibility for late return of item.
- Sec. 45.04.303. - When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified.
- Article 04 - RELATIONSHIP BETWEEN PAYOR BANK AND ITS CUSTOMER
- Sec. 45.04.401. - When bank may charge customer's account.
- Sec. 45.04.402. - Bank's liability to customer for wrongful dishonor; time of determining insufficiency of account.
- Sec. 45.04.403. - Customer's right to stop payment; burden of proof of loss.
- Sec. 45.04.404. - Bank not obligated to pay check more than six months old.
- Sec. 45.04.405. - Death or incompetence of a customer.
- Sec. 45.04.406. - Customer's duty to discover and report unauthorized signature or alteration.
- Sec. 45.04.407. - Payor bank's right to subrogation on improper payment.
- Article 05 - COLLECTION OF DOCUMENTARY DRAFTS
- Sec. 45.04.501. - Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor.
- Sec. 45.04.502. - Presentment of "on arrival" drafts.
- Sec. 45.04.503. - Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need.
- Sec. 45.04.504. - Privilege of presenting bank to deal with goods; security interest for expenses.