Article

Bank Deposits and Collections

W. Va. Code § 46-4-101— Short title
W. Va. Code § 46-4-102— Applicability
W. Va. Code § 46-4-103— Variation by agreement; measure of damages; action constituting ordinary care
W. Va. Code § 46-4-105— "Bank"; "depositary bank"; "intermediary bank"; "collecting bank"; "payor bank"; "presenting bank."
W. Va. Code § 46-4-106— Payable through or payable at bank; collecting bank
W. Va. Code § 46-4-107— Separate office of a bank
W. Va. Code § 46-4-108— Time of receipt of items
W. Va. Code § 46-4-109— Delays
W. Va. Code § 46-4-110— Electronic presentment
W. Va. Code § 46-4-111— Statute of limitations
W. Va. Code § 46-4-201— Status of collecting banks as agent and provisional status of credits; applicability of article; item indorsed "pay any bank."
W. Va. Code § 46-4-202— Responsibility for collection or return; when action timely
W. Va. Code § 46-4-203— Effect of instructions
W. Va. Code § 46-4-204— Methods of sending and presenting; sending directly to payor bank
W. Va. Code § 46-4-205— Depositary bank holder of unindorsed item
W. Va. Code § 46-4-206— Transfer between banks
W. Va. Code § 46-4-207— Transfer warranties
W. Va. Code § 46-4-208— Presentment warranties
W. Va. Code § 46-4-209— Encoding and retention warranties
W. Va. Code § 46-4-210— Security interest of collecting bank in items, accompanying documents and proceeds
W. Va. Code § 46-4-211— When bank gives value for purposes of holder in due course
W. Va. Code § 46-4-212— Presentment by notice of item not payable by, through or at a bank; liability of drawer or indorser
W. Va. Code § 46-4-213— Medium and time of settlement by bank
W. Va. Code § 46-4-214— Right of charge-back or refund; liability of collecting bank; return of item
W. Va. Code § 46-4-215— Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal
W. Va. Code § 46-4-216— Insolvency and preference
W. Va. Code § 46-4-301— Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank
W. Va. Code § 46-4-302— Payor bank's responsibility for late return of item
W. Va. Code § 46-4-303— When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified
W. Va. Code § 46-4-401— When bank may charge customer's account
W. Va. Code § 46-4-402— Bank's liability to customer for wrongful dishonor; time of determining insufficiency of account
W. Va. Code § 46-4-403— Customer's right to stop payment; burden of proof of loss
W. Va. Code § 46-4-404— Bank not obligated to pay check more than six months old
W. Va. Code § 46-4-405— Death or incompetence of customer
W. Va. Code § 46-4-406— Customer's duty to discover and report unauthorized signature or alteration
W. Va. Code § 46-4-407— Payor bank's right to subrogation on improper payment
W. Va. Code § 46-4-501— Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor
W. Va. Code § 46-4-502— Presentment of "on arrival" drafts
W. Va. Code § 46-4-503— Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need
W. Va. Code § 46-4-504— Privilege of presenting bank to deal with goods; security interest for expenses