§ 70A-4-106. Payable through or payable at bank -- Collecting bank.

(1) If an item states that it is "payable through" a bank identified in the item: (a) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item; and (b) the item may be presented for payment only by or through the bank. (2) If an item states that it is "payable at" a bank identified in the item: (a) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item; and (b) the item may be presented for payment only by or through the bank. (3) If a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a codrawee or a collecting bank, the bank is a collecting bank.