§ 34-24-106 — Checks, drafts and similar instruments issued or certified by banking and financial organizations

(a) Any sum payable on a check, draft or similar
instrument, except those subject to W.S. 34-24-105, on which a
banking or financial organization is directly liable, including
a cashier's check and a certified check, which has been
outstanding for more than five (5) years after it was payable or
after its issuance if payable on demand, is deemed abandoned,
unless the owner, within five (5) years, has communicated in
writing with the banking or financial organization concerning it
or otherwise indicated an interest as evidenced by a memorandum
or other record on file prepared by an employee thereof.
(b) A holder may not deduct from the amount of any
instrument subject to this section any charge imposed by reason
of the failure to present the instrument for payment unless
there is a valid and enforceable written contract between the
holder and the owner of the instrument pursuant to which the
holder may impose a charge, and the holder regularly imposes
such charges and does not regularly reverse or otherwise cancel
them.