§12A-4-106.

§12A-4-106.
   
            PAYABLE THROUGH OR PAYABLE AT BANK; COLLECTING BANK
                                      
   (a) 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.
   
   (b) If an item states that it is "payable at" 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.
   
   (c) 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.