Maryland Code § CL-4-106

Section CL-4-106
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(a) If an item states that it is "payable through" a bank identified in the
item, (i) the item designates the bank as a collecting bank and does not by itself
authorize the bank to pay the item, and (ii) the item 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:
(1) The item designates the bank as a collecting bank and does not
by itself authorize the bank to pay the item; and
(2) The item 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 codrawee or a collecting bank, the bank is a collecting bank.

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