N.Y. Banking Law § 9-h

§ 9-h. Imposition of service charges prohibited. No banking\norganization shall impose any service charge with respect to any deposit\naccount as a result of the loss of a check or money which is properly\ndeposited with the banking organization by delivery to an employee of\nthe banking organization for credit to the deposit account and for which\na written receipt is issued by the employee.\n