N.Y. BNK Law § 680-H

§ 680-h. When creditor process enforceable against bank. 1. Subject to\nsubdivision two of this section, creditor process with respect to a\nspecial deposit is not enforceable against the bank holding the special\ndeposit.\n 2. Creditor process is enforceable against the bank holding a special\ndeposit with respect to an amount the bank is obligated to pay a\nbeneficiary or a depositor if the process:\n (a) is served on the bank;\n (b) provides sufficient information to permit the bank to identify the\ndepositor or the beneficiary from the bank's books and records; and\n (c) gives the bank a reasonable opportunity to act on the process.\n 3. Creditor process served on a bank before it is enforceable against\nthe bank under subdivision two of this section does not create a right\nof the creditor against the bank or a duty of the bank to the creditor.\nThe lien law and any other applicable law shall determine whether\ncreditor process creates a lien enforceable against the beneficiary on a\ncontingent interest of a beneficiary, including a depositor as a\nbeneficiary, even if not enforceable against the bank.\n