Michigan Compiled Laws

Mich. Comp. Laws § 440.4212 (2026)

Presentment by notice of item not payable by, through, or at a bank; treating item as dishonored.

✓ current as of July 2026

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UNIFORM COMMERCIAL CODE

Act 174 of 1962

440.4212 Presentment by notice of item not payable by, through, or at a bank; treating item as dishonored.

Sec. 4212.

(1) Unless otherwise instructed, a collecting bank may present an item not payable by, through or at a bank by sending to the party to accept or pay a record providing notice that the bank holds the item for acceptance or payment. The notice must be sent in time to be received on or before the day when presentment is due and the bank must meet any requirement of the party to accept or pay under section 3501 by the close of the bank's next banking day after it knows of the requirement.

(2) If presentment is made by notice and payment, acceptance, or request for compliance with a requirement under section 3501 is not received by the close of business on the day after maturity or in the case of demand items by the close of business on the third banking day after notice was sent, the presenting bank may treat the item as dishonored and charge any drawer or endorser by sending it notice of the facts.

History: 1962, Act 174, Eff. Jan. 1, 1964 ;-- Am. 1993, Act 130, Eff. Sept. 30, 1993 ;-- Am. 2014, Act 103, Imd. Eff. Apr. 10, 2014

Notes of Decisions

Cited in 3 cases, 1969–1981 · leading case: Mfrs. Nat'l Bank of Detroit v. Sutherland, 167 N.W.2d 894 (Mich. Ct. App. 1969).

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Mfrs. Nat'l Bank of Detroit v. Sutherland, 167 N.W.2d 894 (Mich. Ct. App. 1969). · cites it 2× “Under various circumstances, the collection agent may even charge back the dishonored draft to the account belonging to its customer, PA 1962, No 174, §4212 (MCLA §440.4212 [Stat Ann 1964 Rev §19.4212]).”

Hedglin v. Cmty. Bank (In re A & C Chevrolet-Olds, Inc.), 3 B.R. 396 (E.D. Mich. 1980). · cites it 2× “§ 440.4212) as follows: “Purposes: 1. Under current bank practice, in a major portion of cases banks make provisional settlement for items when they are first received and then await subsequent determination of whether the item will be finally paid.”

People v. Miciek, 308 N.W.2d 603 (Mich. Ct. App. 1981). “See MCL 440.4212; MSA 19.4212, MCL 440.4213; MSA 19.”

Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.