West Virginia Code
Chapter 46. Uniform Commercial Code
Article 4. Bank Deposits and Collections

§46-4-101. Short Title - §46-4-101. Short title. This article may be cited as Uniform...

§46-4-102. Applicability - (a) To the extent that items within this article are...

§46-4-103. Variation by Agreement; Measure of Damages; Action Constituting Ordinary Care - (a) The effect of the provisions of this article may...

§46-4–104. Definitions and Index of Definitions - (a) In this article unless the context otherwise requires: (1)...

§46-4-105. "Bank"; &Quot;depositary Bank"; &Quot;intermediary Bank"; &Quot;collecting Bank"; &Quot;payor Bank"; &Quot;presenting bank." - In this article: (1) "Bank" means a person engaged in...

§46-4-106. Payable Through or Payable at Bank; Collecting Bank - (a) If an item states that it is "payable through"...

§46-4-107. Separate Office of a Bank - A branch or separate office of a bank is a...

§46-4-108. Time of Receipt of Items - (a) For the purpose of allowing time to process items,...

§46-4-109. Delays - (a) Unless otherwise instructed, a collecting bank in a good...

§46-4-110. Electronic Presentment - (a) "Agreement for electronic presentment" means an agreement, clearing-house rule...

§46-4-111. Statute of Limitations - An action to enforce an obligation, duty or right arising...

§46-4-201. Status of Collecting Banks as Agent and Provisional Status of Credits; Applicability of Article; Item Indorsed &Quot;pay Any bank." - §46-4-201. Status of collecting banks as agent and provisional status...

§46-4-202. Responsibility for Collection or Return; When Action Timely - (a) A collecting bank must exercise ordinary care in: (1)...

§46-4-203. Effect of Instructions - Subject to article three concerning conversion of instruments (section 3-420)...

§46-4-204. Methods of Sending and Presenting; Sending Directly to Payor Bank - (a) A collecting bank shall send items by a reasonably...

§46-4-205. Depositary Bank Holder of Unindorsed Item - If a customer delivers an item to a depositary bank...

§46-4-206. Transfer Between Banks - Any agreed method that identifies the transferor bank is sufficient...

§46-4-207. Transfer Warranties - (a) A customer or collecting bank that transfers an item...

§46-4-208. Presentment Warranties - (a) If an unaccepted draft is presented to the drawee...

§46-4-209. Encoding and Retention Warranties - (a) A person who encodes information on or with respect...

§46-4-210. Security Interest of Collecting Bank in Items, Accompanying Documents and Proceeds - (a) A collecting bank has a security interest in an...

§46-4-211. When Bank Gives Value for Purposes of Holder in Due Course - For purposes of determining its status as a holder in...

§46-4-212. Presentment by Notice of Item Not Payable By, Through or at a Bank; Liability of Drawer or Indorser - (a) Unless otherwise instructed, a collecting bank may present an...

§46-4-213. Medium and Time of Settlement by Bank - (a) With respect to settlement by a bank, the medium...

§46-4-214. Right of Charge-Back or Refund; Liability of Collecting Bank; Return of Item - (a) If a collecting bank has made provisional settlement with...

§46-4-215. Final Payment of Item by Payor Bank; When Provisional Debits and Credits Become Final; When Certain Credits Become Available for Withdrawal - (a) An item is finally paid by a payor bank...

§46-4-216. Insolvency and Preference - (a) If an item is in or comes into the...

§46-4-301. Deferred Posting; Recovery of Payment by Return of Items; Time of Dishonor; Return of Items by Payor Bank - §46-4-301. Deferred posting; recovery of payment by return of items;...

§46-4-302. Payor Bank's Responsibility for Late Return of Item - (a) If an item is presented to and received by...

§46-4-303. When Items Subject to Notice, Stop-Payment Order, Legal Process, or Setoff; Order in Which Items May Be Charged or Certified - (a) Any knowledge, notice, or stop-payment order received by, legal...

§46-4-401. When Bank May Charge Customer's Account - §46-4-401. When bank may charge customer's account. (a) A bank...

§46-4-402. Bank's Liability to Customer for Wrongful Dishonor; Time of Determining Insufficiency of Account - (a) Except as otherwise provided in this article, a payor...

§46-4-403. Customer's Right to Stop Payment; Burden of Proof of Loss - (a) A customer or any person authorized to draw on...

§46-4-404. Bank Not Obligated to Pay Check More Than Six Months Old - A bank is under no obligation to a customer having...

§46-4-405. Death or Incompetence of Customer - (a) A payor or collecting bank's authority to accept, pay...

§46-4-406. Customer's Duty to Discover and Report Unauthorized Signature or Alteration - (a) A bank that sends or makes available to a...

§46-4-407. Payor Bank's Right to Subrogation on Improper Payment - If a payor bank has paid an item over the...

§46-4-501. Handling of Documentary Drafts; Duty to Send for Presentment and to Notify Customer of Dishonor - §46-4-501. Handling of documentary drafts; duty to send for presentment...

§46-4-502. Presentment of &Quot;on Arrival" Drafts - If a draft or the relevant instructions require presentment "on...

§46-4-503. Responsibility of Presenting Bank for Documents and Goods; Report of Reasons for Dishonor; Referee in Case of Need - Unless otherwise instructed and except as provided in article five...

§46-4-504. Privilege of Presenting Bank to Deal With Goods; Security Interest for Expenses - (a) A presenting bank that, following the dishonor of a...