Florida Statute 674.204 - Full Text and Legal Analysis

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.

History.—s. 1, ch. 65-254; s. 22, ch. 92-82.

Note.—s. 4-204, U.C.C.

Cases Citing F.S. 674.204

Fla. Stat. § 674.204 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Capital City First Nat. Bank v. Lewis State Bank, 341 So. 2d 1025 (Fla. 1st DCA 1977).
Cited 12 times | Published | Florida 1st District Court of Appeal | 21 U.C.C. Rep. Serv. (West) 183
...c. 674.202(2), F.S. 1973, "Responsibility for collection; when action seasonable": "A collecting bank taking proper action before its midnight deadline [the next banking day, § 674.104(h)] following receipt of an item ... acts seasonably... ." Sec. 674.204, F.S....
...and Merchants Bank, we cannot accept Lewis' distinction between separate departments within its single computer center. 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....
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Cited as authorityBufman Organization v. Federal Deposit Insurance Corporation (1996)
Cited as authorityBufman Organization v. Federal Deposit Insurance (1996)
Cited (see also)First Union Nat. Bank v. First Fla. Bank, NA (1993)
phrase: "see also"
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·Gathercrest Ltd. v. First Am. Bank & Trust, 649 F. Supp. 106 (M.D. Fla. 1985).
Cited 9 times | Published | District Court, M.D. Florida | 1985 U.S. Dist. LEXIS 18147
...g or trade and the facts of the particular case. Fla.Stat. § 673.503(2); Union Bank of Benton, Arkansas v. First National Bank in Mt. Pleasant, Texas, 621 F.2d at 796. Presentment may be made by sending an item directly to the payor bank, Fla.Stat. § 674.204(2)(a), by mail....
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Cited as authoritySieMatic Mobelwerke GmbH & Co. KG v. SieMatic Corp. (2009)
Cited as authorityBryant v. Washington Mutual Bank (2007)
Cited as authorityWells Fargo Bank, N.A. v. Citizens Bank of Texas, N.A. (2005)
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·Florida Nat'l Bank at Perry v. Citizens Bank of Perry, 474 So. 2d 852 (Fla. Dist. Ct. App. 1985).
Published | District Court of Appeal of Florida | 41 U.C.C. Rep. Serv. (West) 1348, 10 Fla. L. Weekly 1949, 1985 Fla. App. LEXIS 15482
...edition 1981). We do not disagree with the trial court’s conclusion that Citizens was entitled to make over-the-counter presentment of the FNB checks. See Capital City First National Bank v. Lewis State Bank, 341 So.2d 1025, 1027 (Fla. 1st DCA 1977); Section 674.204, Florida Statutes (1981)....
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CitedArnold, Matheny, Pa v. First Am. Holdings (2008)
phrase: "see"
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Cases Citing F.S. 674.204

·Capital City First Nat. Bank v. Lewis State Bank, 341 So. 2d 1025 (Fla. 1st DCA 1977).

·Gathercrest Ltd. v. First Am. Bank & Trust, 649 F. Supp. 106 (M.D. Fla. 1985).

·Florida Nat'l Bank at Perry v. Citizens Bank of Perry, 474 So. 2d 852 (Fla. Dist. Ct. App. 1985).