2021 Tennessee Code
Part 4 - Payment
§ 47-4A-403. Payment by Sender to Receiving Bank

Payment occurs when the credit is withdrawn or, if not withdrawn, at midnight (12:00) of the day on which the credit is withdrawable and the receiving bank learns of that fact; or
Credited an account of the receiving bank with the sender; or
Caused an account of the receiving bank in another bank to be credited;