In this chapter, (1) “bank” means a person engaged in the business of banking, including a savings bank, savings and loan association, credit union, or trust company;
(2) “collecting bank” means a bank handling an item for collection except the payor bank;
(3) “depositary bank” means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter;
(4) “intermediary bank” means a bank to which an item is transferred in course of collection except the depositary or payor bank;
(5) “payor bank” means a bank that is the drawee of a draft;
(6) “presenting bank” means a bank presenting an item except a payor bank.