PART I. GENERAL PROVISIONS AND DEFINITIONS

SECTION 674.101. Short title.

SECTION 674.102. Applicability.

SECTION 674.103. Variation by agreement; measure of damages; action constituting ordinary care.

SECTION 674.104. Definitions and index of definitions.

SECTION 674.105. “Bank”; “depositary bank”; “payor bank”; “intermediary bank”; “collecting bank”; “presenting bank.”

SECTION 674.1061. Payable through or payable at bank; collecting bank.

SECTION 674.1071. Separate office of bank.

SECTION 674.1081. Time of receipt of items.

SECTION 674.1091. Delays.

SECTION 674.1101. Electronic presentment.

SECTION 674.111. Statute of limitations.

PART II. COLLECTION OF ITEMS: DEPOSITARY AND COLLECTING BANKS

SECTION 674.201. Status of collecting bank as agent and provisional status of credits; applicability of chapter; item indorsed “pay any bank.”

SECTION 674.202. Responsibility for collection or return; when action timely.

SECTION 674.203. Effect of instructions.

SECTION 674.204. Methods of sending and presenting; sending directly to payor bank.

SECTION 674.205. Depositary bank holder of unindorsed item.

SECTION 674.206. Transfer between banks.

SECTION 674.207. Transfer warranties.

SECTION 674.2081. Presentment warranties.

SECTION 674.2091. Encoding and retention warranties.

SECTION 674.2101. Security interest of collecting bank in items, accompanying documents, and proceeds.

SECTION 674.2111. When bank gives value for purposes of holder in due course.

SECTION 674.2121. Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser.

SECTION 674.2131. Medium and time of settlement by bank.

SECTION 674.2141. Right of charge-back or refund; liability of collecting bank; return of item.

SECTION 674.215. Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal.

SECTION 674.216. Insolvency and preference.

PART III. COLLECTION OF ITEMS: PAYOR BANKS

SECTION 674.301. Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank.

SECTION 674.302. Payor bank’s responsibility for late return of item.

SECTION 674.303. When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified.

PART IV. RELATIONSHIP BETWEEN PAYOR BANK AND ITS CUSTOMER

SECTION 674.401. When bank may charge customer’s account.

SECTION 674.402. Bank’s liability to customer for wrongful dishonor; time of determining insufficiency of account.

SECTION 674.403. Customer’s right to stop payment; burden of proof of loss.

SECTION 674.404. Bank not obliged to pay check more than 6 months old.

SECTION 674.405. Death or incompetence of customer.

SECTION 674.406. Customer’s duty to discover and report unauthorized signature or alteration.

SECTION 674.407. Payor bank’s right to subrogation on improper payment.

PART V. COLLECTION OF DOCUMENTARY DRAFTS

SECTION 674.501. Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor.

SECTION 674.502. Presentment of “on arrival” drafts.

SECTION 674.503. Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need.

SECTION 674.504. Privilege of presenting bank to deal with goods; security interest for expenses.