New York § 9-Z Cashing of certain checks

New York Statutes

§ 9-Z — Cashing of certain checks

New York § 9-Z

Law BNKBanking

Art. 1Short Title; Definitions; Miscellaneous Provisions

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Bluebook

N.Y. Banking § 9-Z (2026).

Text

§ 9-z. Cashing of certain checks.

1.No bank, trust company, savings\nbank, savings and loan association or credit union shall, refuse to cash\na cashier's check, a payroll check, or a certified check in the amount\nof five hundred dollars or less, drawn on accounts in such institution\nor a branch as long as there are sufficient funds within the account on\nwhich the check is drawn. Such institution may require, as a condition\nfor cashing such check, that the payee present a valid government-issued\nphoto identification and matching proof of address such as a bank\nstatement, utility bill or printed pay stub.\n 2. If a person presents such forms of identification, as provided in\nsubdivision one of this section, and a signature or mark, and the insti-\ntution refuses to cash the check

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§ 9-z. Cashing of certain checks. 1. No bank, trust company, savings\nbank, savings and loan association or credit union shall, refuse to cash\na cashier's check, a payroll check, or a certified check in the amount\nof five hundred dollars or less, drawn on accounts in such institution\nor a branch as long as there are sufficient funds within the account on\nwhich the check is drawn. Such institution may require, as a condition\nfor cashing such check, that the payee present a valid government-issued\nphoto identification and matching proof of address such as a bank\nstatement, utility bill or printed pay stub.\n 2. If a person presents such forms of identification, as provided in\nsubdivision one of this section, and a signature or mark, and the insti-\ntution refuses to cash the check in the absence of suspected fraudulent\nactivity, such institution shall be guilty of a violation of this\nsection and shall be subject to penalties pursuant to section forty-four\nof this chapter.\n