Florida Statutes Chapter 674 — UNIFORM COMMERCIAL CODE: BANK DEPOSITS AND COLLECTIONS

From the Legislature's 2026 edition, which includes changes effective through January 1, 2027. Later effective dates are retained in each section's source notes.

Title XXXIX

• § 674.101 — Short title.
• § 674.102 — Applicability.
• § 674.103 — Variation by agreement; measure of damages; action constituting ordinary care.
• § 674.104 — Definitions and index of definitions.
• § 674.105 — “Bank”; “depositary bank”; “payor bank”; “intermediary bank”; “collecting bank”; “presenting bank.”
• § 674.1061 — Payable through or payable at bank; collecting bank.
• § 674.1071 — Separate office of bank.
• § 674.1081 — Time of receipt of items.
• § 674.1091 — Delays.
• § 674.1101 — Electronic presentment.
• § 674.111 — Statute of limitations.
• § 674.201 — Status of collecting bank as agent and provisional status of credits; applicability of chapter; item indorsed “pay any bank.”
• § 674.202 — Responsibility for collection or return; when action timely.
• § 674.203 — Effect of instructions.
• § 674.204 — Methods of sending and presenting; sending directly to payor bank.
• § 674.205 — Depositary bank holder of unindorsed item.
• § 674.206 — Transfer between banks.
• § 674.207 — Transfer warranties.
• § 674.2081 — Presentment warranties.
• § 674.2091 — Encoding and retention warranties.
• § 674.2101 — Security interest of collecting bank in items, accompanying documents, and proceeds.
• § 674.2111 — When bank gives value for purposes of holder in due course.
• § 674.2121 — Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser.
• § 674.2131 — Medium and time of settlement by bank.
• § 674.2141 — Right of chargeback or refund; liability of collecting bank; return of item.
• § 674.215 — Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal.
• § 674.216 — Insolvency and preference.
• § 674.301 — Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank.
• § 674.302 — Payor bank’s responsibility for late return of item.
• § 674.303 — When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified.
• § 674.401 — When bank may charge customer’s account.
• § 674.402 — Bank’s liability to customer for wrongful dishonor; time of determining insufficiency of account.
• § 674.403 — Customer’s right to stop payment; burden of proof of loss.
• § 674.404 — Bank not obliged to pay check more than 6 months old.
• § 674.405 — Death or incompetence of customer.
• § 674.406 — Customer’s duty to discover and report unauthorized signature or alteration.
• § 674.407 — Payor bank’s right to subrogation on improper payment.
• § 674.501 — Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor.
• § 674.502 — Presentment of “on arrival” drafts.
• § 674.503 — Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need.
• § 674.504 — Privilege of presenting bank to deal with goods; security interest for expenses.