---
title: O.C.G.A. § 11-4-204. Methods of sending and presenting; sending directly to payor bank.
collection: code
id: 11-4-204
cite_as: O.C.G.A. § 11-4-204 (2025)
canonical_url: https://georgiacommons.org/code/11-4-204
md_url: https://georgiacommons.org/code/11-4-204.md
text_url: https://georgiacommons.org/code/11-4-204/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=497
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/11-4-203.md
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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 / COLLECTION OF ITEMS: DEPOSITARY AND COLLECTING BANKS"
---

# O.C.G.A. § 11-4-204. Methods of sending and presenting; sending directly to payor bank.

(a) A collecting bank shall send items by a reasonably prompt method, taking into consideration relevant instructions, the nature of the item, the number of those items on hand, the cost of collection involved, and the method generally used by it or others to present those items.

(b) A collecting bank may send:

(1) An item directly to the payor bank;

(2) An item to a nonbank payor if authorized by its transferor; and

(3) An item other than documentary drafts to a nonbank payor, if authorized by federal reserve regulation or operating circular, clearing-house rule, or the like.

(c) Presentment may be made by a presenting bank at a place where the payor bank or other payor has requested that presentment be made.

## History

Code 1933, § 109A-4-204, enacted by Ga. L. 1962, p. 156, § 1; Ga. L. 1963, p. 188, § 11; Ga. L. 1996, p. 1306, § 6.

## Law Reviews

For article on the 1963 amendment (Ga. L. 1963, p. 189) to the Georgia Uniform Commercial Code, see 14 Mercer L. Rev. 378 (1963).