Vermont — Title 09A · Chapter 004 — Bank Deposits and Collections

• § 4-101 — Short title
• § 4-102 — Applicability
• § 4-103 — Variation by agreement; measure of damages; action constituting ordinary care
• § 4-104 — Definitions and index of definitions
• § 4-105 — “Bank”; “depository bank”; “intermediary bank”; “collecting bank”; “payor bank”; “presenting bank”
• § 4-106 — Payable through or payable at bank; collecting bank
• § 4-107 — Separate office of bank
• § 4-108 — Time of receipt of items
• § 4-109 — Delays
• § 4-110 — Electronic presentment
• § 4-111 — Statute of limitations
• § 4-201 — Status of collecting bank as agent and provisional status of credits; applicability of article; item indorsed “pay any bank”
• § 4-202 — Responsibility for collection or return; when action timely
• § 4-203 — Effect of instructions
• § 4-204 — Methods of sending and presenting; sending directly to payor bank
• § 4-205 — Depositary bank holder of unindorsed item
• § 4-206 — Transfer between banks
• § 4-207 — Transfer warranties
• § 4-208 — Presentment warranties
• § 4-209 — Encoding and retention warranties
• § 4-210 — Security interest of collecting bank in items, accompanying documents and proceeds
• § 4-211 — When bank gives value for purposes of holder in due course
• § 4-212 — Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser
• § 4-213 — Medium and time of settlement by bank
• § 4-214 — Right of charge-back or refund; liability of collecting bank; return of item
• § 4-215 — Final payment of item by payor bank; when provisional debits and credits become final; when certain credits become available for withdrawal
• § 4-216 — Insolvency and preference
• § 4-301 — Deferred posting; recovery of payment by return of items; time of dishonor; return of items by payor bank
• § 4-302 — Payor bank’s responsibility for late return of item
• § 4-303 — When items subject to notice, stop-payment order, legal process, or setoff; order in which items may be charged or certified
• § 4-401 — When bank may charge customer’s account
• § 4-402 — Bank’s liability to customer for wrongful dishonor; time of determining insufficiency of account
• § 4-403 — Customer’s right to stop payment; burden of proof of loss
• § 4-404 — Bank not obliged to pay check more than six months old
• § 4-405 — Death or incompetence of customer
• § 4-406 — Customer’s duty to discover and report unauthorized signature or alteration
• § 4-407 — Payor bank’s right to subrogation on improper payment
• § 4-501 — Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor
• § 4-502 — Presentment of “on arrival” drafts
• § 4-503 — Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need
• § 4-504 — Privilege of presenting bank to deal with goods; security interest for expenses