New York Laws
Article 6 - Savings Banks
235-C - Regulation of Certain Charges.

§ 235-c. Regulation of certain charges. The superintendent of
financial services shall have the power to prescribe by regulation (i)
the maximum charge which may be imposed in this state by a savings bank
in connection with a check or other written order drawn upon it on
insufficient funds, irrespective of whether the instrument is paid,
accepted or returned by the bank, and (ii) the maximum charge which may
be imposed in this state by a savings bank in connection with a check or
other written order received by it for deposit or collection and
subsequently dishonored and returned for any reason by the drawee.

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