Florida Statutes
Fla. Stat. § 674.204 (2025)
Methods of sending and presenting; sending directly to payor bank.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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674.204 Methods of sending and presenting; sending directly to payor bank.—
(1) A collecting bank shall send items by a reasonably prompt method, taking into consideration relevant instructions, the nature of the item, the number of those items on hand, the cost of collection involved, and the method generally used by it or others to present those items.
(2) A collecting bank may send:
(a) An item directly to the payor bank;
(b) An item to a nonbank payor if authorized by its transferor; and
(c) An item other than documentary drafts to a nonbank payor, if authorized by Federal Reserve regulation or operating circular, clearinghouse rule, or the like.
(3) Presentment may be made by a presenting bank at a place where the payor bank or other payor has requested that presentment be made.
Note.—s. 4-204, U.C.C.
Notes of Decisions
Cited in 3
cases (1 in the last 5 years), 1977–2021 · leading case: Capital City First Nat. Bank v. Lewis State Bank, 341 So. 2d 1025 (Fla. 1st DCA 1977).
Capital City First Nat. Bank v. Lewis State Bank, 341 So. 2d 1025 (Fla. 1st DCA 1977). “Granting that a payor bank may reserve entirely to itself the selection of a place for presentment other than its banking house, § 674.204(3), F.S. 1973, Florida State's contract for data processing services and its vicarious participation in the clearinghouse arrangement…”
Florida Nat'l Bank at Perry v. Citizens Bank of Perry, 474 So. 2d 852 (Fla. 1st DCA 1985). “1st DCA 1977); Section 674.204, Florida Statutes (1981).”
Regions Bank v. Marvin I. Kaplan (11th Cir. 2021). “Fla. Stat. §§ 674.204 , .301. Because the use of the “Refer to Maker” return code is covered by Florida’s USCA11 Case: 17-15478 Date Filed: 10/19/2021 Page: 44 of 47 44 Opinion of the Court 17-15478 Uniform Commercial Code and federal regulations, Kaplan’s claims are preempted.”
— 674.204(3) — 1 case
Capital City First Nat. Bank v. Lewis State Bank, 341 So. 2d 1025 (Fla. 1st DCA 1977). “Granting that a payor bank may reserve entirely to itself the selection of a place for presentment other than its banking house, § 674.204(3), F.S. 1973, Florida State's contract for data processing services and its vicarious participation in the clearinghouse arrangement…”
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