§ 41-04-16 — (4-204) Methods of sending and presenting - Sending directly to payor bank

1. A collecting bank shall send items by a reasonably prompt method taking into
consideration any relevant instructions, the nature of the item, the number of those
items on hand, the cost of collection involved, and the method generally used by it or
others to present those items.
2. A collecting bank may send:
a. An item directly to the payor bank.
b. An item to any nonbank payor if authorized by its transferor.
c. An item other than a documentary draft to a nonbank payor, if authorized by
federal reserve regulation or operating circular, clearinghouse rule, or the like.
3. Presentment may be made by a presenting bank at a place where the payor bank or
other payor has requested that presentment be made.