New York Laws
Part 5 - Miscellaneous Provisions
4-A-504 - Order in Which Items and Payment Orders May Be Charged to Account; Order of Withdrawals From Account.

(1) If a receiving bank has received more than one payment order of
the sender or one or more payment orders and other items that are
payable from the sender's account, the bank may charge the sender's
account with respect to the various orders and items in any sequence.
(2) In determining whether a credit to an account has been withdrawn
by the holder of the account or applied to a debt of the holder of the
account, credits first made to the account are first withdrawn or
applied.

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