Internal prototype — noindexed, not linked from public navigation yet.

N.Y. UCC Law § 4-107

This is the official text of N.Y. UCC Law § 4-107, part of New York’s UCC Law — part of the compiled statutory law of New York, published by the state as "UCC Law." Browse the sections below, each linked to its official government source.

Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.

Time of Receipt of Items

Official statutory text

Section 4--107. Time of Receipt of Items.\n (1) For the purpose of allowing time to process items, prove balances\nand make the necessary entries on its books to determine its position\nfor the day, a bank may fix an afternoon hour of two P.M. or later as a\ncut-off hour for the handling of money and items and the making of\nentries on its books.\n (2) Any item or deposit of money received on any day after a cut-off\nhour so fixed or after the close of the banking day may be treated as\nbeing received at the opening of the next banking day.\n

Status: in_force · Read it on the official government site

Need a lawyer in New York?

Find a New York lawyer
About this page: Statute text is reproduced from official government publishers via the Open US Law dataset (Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine (Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.