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The text discusses UCC Article 4 on bank deposits and collections from Cornell Law School. It outlines general provisions and definitions, including conditions for items payable through or at the bank. If an item states it is payable through a bank, it designates the bank as a collecting bank and must be presented for payment through the bank. If an item states it is payable at the bank, it is equivalent to a draft drawn on the bank, designating the bank as a collecting bank without authorizing payment. Presentation for payment must be made through the bank.
