Article

Bank Deposits and Collections

N.C. Gen. Stat. § 25-4-101— Short title
N.C. Gen. Stat. § 25-4-102— Applicability
N.C. Gen. Stat. § 25-4-103— Variation by agreement; measure of damages; action constituting ordinary care
N.C. Gen. Stat. § 25-4-104— Definitions and index of definitions
N.C. Gen. Stat. § 25-4-105— "Bank"; "depositary bank"; "intermediary bank"; "collecting bank"; "payor bank"; "presenting bank"
N.C. Gen. Stat. § 25-4-105.1— Payable through or payable at bank; collecting bank
N.C. Gen. Stat. § 25-4-106— Separate office of a bank
N.C. Gen. Stat. § 25-4-107— Time of receipt of items
N.C. Gen. Stat. § 25-4-108— Delays
N.C. Gen. Stat. § 25-4-110— Electronic presentment
N.C. Gen. Stat. § 25-4-111— Statute of limitations
N.C. Gen. Stat. § 25-4-201— Status of collecting bank as agent and provisional status of credits; applicability of Article; item indorsed "pay any bank"
N.C. Gen. Stat. § 25-4-202— Responsibility for collection or return; when action timely
N.C. Gen. Stat. § 25-4-203— Effect of instructions
N.C. Gen. Stat. § 25-4-204— Methods of sending and presenting; sending directly to payor
N.C. Gen. Stat. § 25-4-205— Depositary bank holder of unindorsed item
N.C. Gen. Stat. § 25-4-206— Transfer between banks
N.C. Gen. Stat. § 25-4-207— Transfer warranties
N.C. Gen. Stat. § 25-4-207.1— Presentment warranties
N.C. Gen. Stat. § 25-4-207.2— Encoding and retention warranties
N.C. Gen. Stat. § 25-4-208— Security interest of collecting bank in items, accompanying documents and proceeds
N.C. Gen. Stat. § 25-4-209— When bank gives value for purposes of holder in due course
N.C. Gen. Stat. § 25-4-210— Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser
N.C. Gen. Stat. § 25-4-211— Medium and time of settlement by bank
N.C. Gen. Stat. § 25-4-212— Right of charge-back or refund; liability of collecting bank; return of item
N.C. Gen. Stat. § 25-4-213— Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal
N.C. Gen. Stat. § 25-4-214— Insolvency and preference
N.C. Gen. Stat. § 25-4-301— Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank
N.C. Gen. Stat. § 25-4-302— Payor bank's responsibility for late return of item
N.C. Gen. Stat. § 25-4-303— When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified
N.C. Gen. Stat. § 25-4-401— When bank may charge customer's account
N.C. Gen. Stat. § 25-4-402— Bank's liability to customer for wrongful dishonor; time of determining insufficiency of account
N.C. Gen. Stat. § 25-4-403— Customer's right to stop payment; burden of proof of loss
N.C. Gen. Stat. § 25-4-404— Bank not obligated to pay check more than six months old
N.C. Gen. Stat. § 25-4-405— Death or incompetence of customer
N.C. Gen. Stat. § 25-4-406— Customer's duty to discover and report unauthorized signature or alteration
N.C. Gen. Stat. § 25-4-407— Payor bank's right to subrogation on improper payment
N.C. Gen. Stat. § 25-4-501— Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor
N.C. Gen. Stat. § 25-4-502— Presentment of "on arrival" drafts
N.C. Gen. Stat. § 25-4-503— Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need
N.C. Gen. Stat. § 25-4-504— Privilege of presenting bank to deal with goods; security interest for expenses