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module 3 the check collection process ucc article 4 terminology article 4 of the ucc addresses check collection by banks articles 3 and 4 diverge in terminology and at times use different words and phrases to convey similar concepts while article 3 calls it check a draft article 4 refers to it as an item in the check collecting process the drawer who issues a check is called the customer and the checks payee is called a customer when she goes to cash or deposit a check the bank that hosts the check writers account is called the payer bank the other banks involved in the check collection process are called collecting banks the initial recipient of the check is called the depository bank while the other banks are referred to as intermediary banks the customer of the depository bank deposits her check into her account there the bank then seeks payment from the payer bank by presenting the check presentment is a special term in the code that means referring a check for a demand for payme
