N.Y. Uniform Commercial Code § 4-105 (2026)

Section 4--105. "Depositary Bank"; "Intermediary Bank"; "Collecting
                  Bank"; "Payor Bank"; "Presenting Bank"; "Remitting
                  Bank".
  In this Article unless the context otherwise requires:
  (a) "Depositary bank" means the first bank to which an item is
transferred for collection even though it is also the payor bank;
  (b) "Payor bank" means a bank by which an item is payable as drawn or
accepted;
  (c) "Intermediary bank" means any bank to which an item is transferred
in course of collection except the depositary or payor bank;
  (d) "Collecting bank" means any bank handling the item for collection
except the payor bank;
  (e) "Presenting bank" means any bank presenting an item except a payor
bank;
  (f) "Remitting bank" means any payor or intermediary bank remitting
for an item.