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N.Y. UCC Law § 4-404

This is the official text of N.Y. UCC Law § 4-404, 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.

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Bank Not Obligated to Pay Check More Than Six Months Old

Official statutory text

Section 4--404. Bank Not Obligated to Pay Check More Than Six Months\n Old.\n A bank is under no obligation to a customer having a checking account\nto pay a check, other than a certified check, which is presented more\nthan six months after its date, but it may charge its customer's account\nfor a payment made thereafter in good faith.\n

Status: in_force · Read it on the official government site

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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.