---
title: O.C.G.A. § 11-4-106. Payable through or payable at bank; collecting bank.
collection: code
id: 11-4-106
cite_as: O.C.G.A. § 11-4-106 (2025)
canonical_url: https://georgiacommons.org/code/11-4-106
md_url: https://georgiacommons.org/code/11-4-106.md
text_url: https://georgiacommons.org/code/11-4-106/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-2022-pdf.pdf?sfvrsn=b5451bbd_0#page=489
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/11-4.md
previous: https://georgiacommons.org/code/11-4-105.md
next: https://georgiacommons.org/code/11-4-107.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCIAL CODE / BANK DEPOSITS AND COLLECTIONS / GENERAL PROVISIONS AND DEFINITIONS
---

# O.C.G.A. § 11-4-106. Payable through or payable at bank; collecting bank.

(a) If an item states that it is “payable through” a bank identified in the item, the item (i) designates the bank as a collecting bank and does not by itself authorize the bank to pay the item; and (ii) 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, the item (i) designates the bank as a collecting bank and does not by itself authorize the bank to pay the item; and (ii) 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.

## History

Code 1981, § 11-4-106, enacted by Ga. L. 1996, p. 1306, § 5.

## Editor's Notes

Ga. L. 1996, p. 1306, § 5, effective July 1, 1996, renumbered former Code Section 11-4-106 as present Code Section 11-4-107 and added this Code section.