Any banking institution as that term is defined in section nine-f of this chapter, except a credit union, and any other financial institution which offers consumer accounts, meaning accounts established by natural persons primarily for personal, family or household purposes, which can be accessed by check, negotiable order of withdrawal, or other similar written instrument, shall offer a consumer account on which the cancelled checks, negotiable orders of withdrawal, or other similar instruments drawn on that account are returned to the customer with a periodic statement of the account.

No banking institution as that term is defined in section nine-f of this chapter shall, as a policy or general practice, refuse to accept as a deposit made with a teller by an account holder a check for the sole reason that it contains two endorsements. Nothing contained herein shall prevent a banking institution from requiring the approval of an officer or manager as a condition of accepting a check with two endorsements for deposit or from refusing to accept a deposit of a check with two endorsements that is not made with a teller.

This legal document prohibits banking institutions from refusing to open a deposit account solely based on the geographic location of the depositor’s residence or place of business. However, banking institutions are allowed to require proof of residence or place of business within the same county or city to comply with anti-money laundering or fraud prevention laws. The document defines ‘banking institution’ as any bank, trust company, savings bank, savings and loan association, or branch of a foreign banking corporation insured by the federal deposit insurance corporation.

This section of the Consolidated Laws of New York governs the issuance and handling of mail-loan checks by lending institutions. A mail-loan check is defined as a check sent by a lending institution to a person, which, when cashed or deposited, obligates the person to repay the amount according to the terms provided. Lending institutions issuing mail-loan checks must include a written statement on the face of each check, require no reference to the check on the envelope, make the checks non-transferable, and include transaction fee, interest rate, and expiration date.

Subject to the requirements of section three hundred ninety-nine-y of the general business law, as added by chapter four hundred ninety-five of the laws of nineteen hundred ninety-nine, an agreement to operate or share an automated teller machine shall not have the effect of prohibiting, limiting or restricting the right of the operator or owner of the automated teller machine to charge a customer who is conducting a transaction using an account from a financial institution that is located outside the United States an access fee or surcharge not otherwise prohibited under state or federal law.

Notwithstanding any law, rule or regulation to the contrary, every banking institution that provides consumer checking accounts shall either pay checks in the order wherein they are received or pay checks from smallest to largest dollar amount for each business day’s transactions. 2. If a check is dishonored for insufficient funds and thereafter smaller checks which could be paid are received, the smaller checks shall be honored within amounts on deposit in the subject account.

No bank, trust company, savings bank, savings and loan association or credit union shall, refuse to cash a cashier’s check, a payroll check, or a certified check in the amount of five hundred dollars or less, drawn on accounts in such institution or a branch as long as there are sufficient funds within the account on which the check is drawn. Such institution may require, as a condition for cashing such check, that the payee present a valid government-issued photo identification and matching proof of address such as a bank statement, utility bill or printed pay stub.

This legal document pertains to the drawing and endorsement of checks by officers or agents of corporations. It states that when a check is drawn by an officer or agent of a corporation against the account of, or in the name of the corporation, and is cashed or deposited to the personal account of the officer or agent, it does not constitute notice to a private banker, banking organization, or branch of a foreign banking corporation of any defense against or claim to the check by any person.

The first document governs the approval process for the reorganization of a mutual savings and loan association into a mutual holding company. It outlines the steps and approvals required for the reorganization, including approval by the board of directors, evaluation by the superintendent of financial services, and shareholder approval. The second document governs the formation of a mutual holding company by mutual savings and loan associations. It specifies the methods of formation, regulations regarding issuance of common stock and securities, and requirements for retaining or acquiring assets.

The provided legal document governs the administration and operation of a credit union insurance fund. It applies to fifty or more credit unions organized under the provisions of this chapter. The document allows these credit unions to enter into an agreement, subject to the approval of the superintendent, to create a fund for the purpose of insuring the shares of the credit unions. The agreement designates a corporate trustee or a board of trustees to collect, hold, administer, and disburse the fund.