Illinois Code § 810 ILCS 5/4-102

Applicability.
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(a) To the extent that items within this Article are also within Articles 3
and 8, they are subject to those Articles. If there is conflict, this Article
governs Article 3, but Article 8 governs this Article.

 
(b) The liability of a bank for action or non-action with respect to an
item handled by it for purpose of presentment, payment, or collection is
governed by the law of the place where the bank is located. In the case of
action or non-action by or at a branch or separate office of a bank, its
liability is governed by the law of the place where the branch or separate
office is located.

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