Massachusetts General Laws
Article 3 - Negotiable Instruments
Section 3-501 - Presentment

Section 3–501. (a) ''Presentment'' means a demand made by or on behalf of a person entitled to enforce an instrument (i) to pay the instrument made to the drawee or a party obliged to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank, or (ii) to accept a draft made to the drawee.
(b) The following rules are subject to Article 4, agreement of the parties, and clearinghouse rules and the like:
(1) Presentment may be made at the place of payment of the instrument and must be made at the place of payment if the instrument is payable at a bank in the United States; may be made by any commercially reasonable means, including an oral, written, or electronic communication; is effective when the demand for payment or acceptance is received by the person to whom presentment is made; and is effective if made to any one of two or more makers, acceptors, drawees, or other payors.
(2) Upon demand of the person to whom presentment is made, the person making presentment must (i) exhibit the instrument, (ii) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and (iii) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made.
(3) Without dishonoring the instrument, the party to whom presentment is made may (i) return the instrument for lack of a necessary indorsement, or (ii) refuse payment or acceptance for failure of the presentment to comply with the terms of the instrument, an agreement of the parties, or other applicable law or rule.
(4) The party to whom presentment is made may treat presentment as occurring on the next business day after the day of presentment if the party to whom presentment is made has established a cut-off hour not earlier than 2 p.m. for the receipt and processing of instruments presented for payment or acceptance and presentment is made after the cut-off hour.

Structure Massachusetts General Laws

Massachusetts General Laws

Part I - Administration of the Government

Title XV - Regulation of Trade

Chapter 106 - Uniform Commercial Code

Article 3 - Negotiable Instruments

Section 3-111 - Place of Payment

Section 3-112 - Interest

Section 3-102 - Subject Matter

Section 3-312 - Lost, Destroyed, or Stolen Cashier's Check, Teller's Check, or Certified Check

Section 3-401 - Signature

Section 3-402 - Signature by Representative

Section 3-403 - Unauthorized Signature

Section 3-404 - Impostors; Fictitious Payees

Section 3-405 - Employer's Responsibility for Fraudulent Indorsement by Employee

Section 3-406 - Negligence Contributing to Forged Signature or Alteration of Instrument

Section 3-407 - Alteration

Section 3-408 - Drawee Not Liable on Unaccepted Draft

Section 3-409 - Acceptance of Draft; Certified Check

Section 3-410 - Acceptance Varying Draft

Section 3-411 - Refusal to Pay Cashier's Checks, Teller's Checks, and Certified Checks

Section 3-412 - Obligation of Issuer of Note or Cashier's Check

Section 3-413 - Obligation of Acceptor

Section 3-311 - Accord and Satisfaction by Use of Instrument

Section 3-414 - Obligation of Drawer

Section 3-416 - Transfer Warranties

Section 3-418 - Payment or Acceptance by Mistake

Section 3-419 - Instruments Signed for Accommodation

Section 3-420 - Conversion of Instrument

Section 3-501 - Presentment

Section 3-502 - Dishonor

Section 3-503 - Notice of Dishonor

Section 3-504 - Excused Presentment and Notice of Dishonor

Section 3-505 - Evidence of Dishonor

Section 3-601 - Discharge and Effect of Discharge

Section 3-602 - Payment

Section 3-603 - Tender of Payment

Section 3-604 - Discharge by Cancellation or Renunciation

Section 3-605 - Discharge of Indorsers and Accommodation Parties

Section 3-415 - Obligation of Indorser

Section 3-310 - Effect of Instrument on Obligation for Which Taken

Section 3-417 - Presentment Warranties

Section 3-308 - Proof of Signatures and Status as Holder in Due Course

Section 3-309 - Enforcement of Lost, Destroyed, or Stolen Instrument

Section 3-103 - Definitions

Section 3-104 - Negotiable Instrument

Section 3-105 - Issue of Instrument

Section 3-106 - Unconditional Promise or Order

Section 3-107 - Instrument Payable in Foreign Money

Section 3-108 - Payable on Demand or at Definite Time

Section 3-110 - Identification of Person to Whom Instrument Is Payable

Section 3-101 - Short Title

Section 3-113 - Date of Instrument

Section 3-114 - Contradictory Terms of Instrument

Section 3-115 - Incomplete Instrument

Section 3-116 - Joint and Several Liability; Contribution

Section 3-117 - Other Agreements Affecting Instrument

Section 3-118 - Statute of Limitations

Section 3-109 - Payable to Bearer or to Order

Section 3-201 - Negotiation

Section 3-307 - Notice of Breach of Fiduciary Duty

Section 3-119 - Notice of Right to Defend Action

Section 3-306 - Claims to an Instrument

Section 3-305 - Defenses and Claims in Recoupment

Section 3-304 - Overdue Instrument

Section 3-302 - Holder in Due Course

Section 3-301 - Person Entitled to Enforce Instrument

Section 3-303 - Value and Consideration

Section 3-207 - Reacquisition

Section 3-206 - Restrictive Indorsement

Section 3-205 - Special Indorsement; Blank Indorsement; Anomalous Indorsement

Section 3-204 - Indorsement

Section 3-203 - Transfer of Instrument; Rights Acquired by Transfer

Section 3-202 - Negotiation Subject to Rescission