{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/8.4-105.1.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/8.4-105.1.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/8.4-105.1.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/8.4-105.1.html"}],"law_id":378162,"edition_id":2,"section_id":378162,"structure_id":53738,"section_number":"8.4-105.1","catch_line":"Payable through or payable at bank; collecting bank","history":"Code 1950, \u00a7 6-440; 1964, c. 219; \u00a7\u00a7 8.3-120, 8.3-121; 1992, c. 693.","full_text":"a\n\nIf an item states that it is “payable through” a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.\n\nb\n\nIf an item states that it is “payable at” a bank identified in the item, (i) the item designates that bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.\n\nc\n\nIf a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a co-drawee or a collecting bank, the bank is a collecting bank.\n\n","order_by":null,"text":{"0":{"id":1410740,"text":"If an item states that it is “payable through” a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.","type":"section","prefixes":["a"],"prefix":"a","entire_prefix":"a","prefix_anchor":"a","level":1,"next_prefix":"b"},"1":{"id":1410741,"text":"If an item states that it is “payable at” a bank identified in the item, (i) the item designates that bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank.","type":"section","prefixes":["b"],"prefix":"b","entire_prefix":"b","prefix_anchor":"b","level":1,"prior_prefix":"a","next_prefix":"c"},"2":{"id":1410742,"text":"If a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a co-drawee or a collecting bank, the bank is a collecting bank.","type":"section","prefixes":["c"],"prefix":"c","entire_prefix":"c","prefix_anchor":"c","level":1,"prior_prefix":"b"}},"ancestry":[{"id":53738,"edition_id":2,"name":"General Provisions and Definitions","identifier":"1","label":"part","depth":2,"order_by":1,"parent_id":53737,"metadata":{"child_laws":12,"child_structures":0},"date_created":"2026-08-02 03:21:27","date_modified":"2026-08-02 12:28:32","permalink":{"id":1509999,"object_type":"structure","relational_id":53738,"identifier":"1","token":"8.4\/1","url":"\/8.4\/1\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53737,"edition_id":2,"name":"Commercial Code \u2014 Bank Deposits and Collections","identifier":"8.4","label":"title","depth":1,"order_by":21,"parent_id":null,"metadata":{"child_laws":45,"child_structures":5},"date_created":"2026-08-02 03:21:27","date_modified":"2026-08-02 12:28:32","permalink":{"id":1509997,"object_type":"structure","relational_id":53737,"identifier":"8.4","token":"8.4","url":"\/8.4\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":378158,"structure_id":53738,"section_number":"8.4-101","catch_line":"Short title","url":"\/8.4-101\/","token":"8.4\/1\/8.4-101","metadata":false},{"id":378159,"structure_id":53738,"section_number":"8.4-102","catch_line":"Applicability","url":"\/8.4-102\/","token":"8.4\/1\/8.4-102","metadata":false},{"id":378160,"structure_id":53738,"section_number":"8.4-103","catch_line":"Variation by agreement; measure of damages; action constituting ordinary care","url":"\/8.4-103\/","token":"8.4\/1\/8.4-103","metadata":false},{"id":378161,"structure_id":53738,"section_number":"8.4-104","catch_line":"Definitions and index of definitions","url":"\/8.4-104\/","token":"8.4\/1\/8.4-104","metadata":false},{"id":378163,"structure_id":53738,"section_number":"8.4-105","catch_line":"\"Bank\"; \"depositary bank\"; \"intermediary bank\"; \"collecting bank\"; \"payor bank\"; \"presenting bank.\"","url":"\/8.4-105\/","token":"8.4\/1\/8.4-105","metadata":false},{"id":378162,"structure_id":53738,"section_number":"8.4-105.1","catch_line":"Payable through or payable at bank; collecting bank","url":"\/8.4-105.1\/","token":"8.4\/1\/8.4-105.1","metadata":{"court_decisions":{"0":{"name":"McCray v. Commonwealth","case_number":"2673001","citation":"556 S.E.2d 50","date":"2001-12-11","url":"https:\/\/www.courtlistener.com\/opinion\/1064851\/mccray-v-commonwealth\/","abstract":" .\u202f.\u202f. 556 S.E.2d 50 (2001) .\u202f.\u202f. ","court_html":"COA<\/abbr>"}}}},{"id":378164,"structure_id":53738,"section_number":"8.4-106","catch_line":"Separate office of a bank","url":"\/8.4-106\/","token":"8.4\/1\/8.4-106","metadata":false},{"id":378165,"structure_id":53738,"section_number":"8.4-107","catch_line":"Time of receipt of items","url":"\/8.4-107\/","token":"8.4\/1\/8.4-107","metadata":false},{"id":378166,"structure_id":53738,"section_number":"8.4-108","catch_line":"Delays","url":"\/8.4-108\/","token":"8.4\/1\/8.4-108","metadata":false},{"id":378167,"structure_id":53738,"section_number":"8.4-109","catch_line":"Repealed","url":"\/8.4-109\/","token":"8.4\/1\/8.4-109","metadata":false},{"id":378168,"structure_id":53738,"section_number":"8.4-110","catch_line":"Electronic presentment","url":"\/8.4-110\/","token":"8.4\/1\/8.4-110","metadata":false},{"id":378169,"structure_id":53738,"section_number":"8.4-111","catch_line":"Statute of limitations","url":"\/8.4-111\/","token":"8.4\/1\/8.4-111","metadata":false}],"previous_section":{"id":378163,"structure_id":53738,"section_number":"8.4-105","catch_line":"\"Bank\"; \"depositary bank\"; \"intermediary bank\"; \"collecting bank\"; \"payor bank\"; \"presenting bank.\"","url":"\/8.4-105\/","token":"8.4\/1\/8.4-105","metadata":false},"next_section":{"id":378164,"structure_id":53738,"section_number":"8.4-106","catch_line":"Separate office of a bank","url":"\/8.4-106\/","token":"8.4\/1\/8.4-106","metadata":false},"metadata":{"court_decisions":{"0":{"name":"McCray v. Commonwealth","case_number":"2673001","citation":"556 S.E.2d 50","date":"2001-12-11","url":"https:\/\/www.courtlistener.com\/opinion\/1064851\/mccray-v-commonwealth\/","abstract":" .\u202f.\u202f. 556 S.E.2d 50 (2001) .\u202f.\u202f. ","court_html":"COA<\/abbr>"}}},"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/8.4-105.1\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1964, chapter 219; in 1992, chapter 693.<\/p>","references":false,"refers_to":false,"permalink":{"id":1510021,"object_type":"law","relational_id":378162,"identifier":"8.4-105.1","token":"8.4\/1\/8.4-105.1","url":"\/8.4-105.1\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/8.4-105.1\/","token":"8.4\/1\/8.4-105.1","dublin_core":{"Title":"Payable through or payable at bank; collecting bank","Type":"Text","Format":"text\/html","Identifier":"\u00a7 8.4-105.1","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

a.<\/span> If an item states that it is “payable through” a bank identified in the item, (i) the item designates the bank as a collecting bank<\/span> and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

b.<\/span> If an item states that it is “payable at” a bank identified in the item, (i) the item designates that bank as a collecting bank<\/span> and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

c.<\/span> If a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a co-drawee or a collecting bank<\/span>, the bank is a collecting bank<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPAYABLE THROUGH OR PAYABLE AT BANK; COLLECTING BANK (\u00a7 8.4-105.1)\n\na. If an item states that it is “payable through” a bank identified\nin the item, (i) the item designates the bank as a collecting bank and does not\nby itself authorize the bank to pay the item, and (ii) the item may be presented\nfor payment only by or through the bank.\n\nb. If an item states that it is “payable at” a bank identified in\nthe item, (i) the item designates that bank as a collecting bank and does not by\nitself authorize the bank to pay the item, and (ii) the item may be presented\nfor payment only by or through the bank.\n\nc. If a draft names a nonbank drawee and it is unclear whether a bank named in\nthe draft is a co-drawee or a collecting bank, the bank is a collecting bank.\n\nHISTORY: Code 1950, \u00a7 6-440; 1964, c. 219; \u00a7\u00a7 8.3-120, 8.3-121; 1992, c. 693.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}