New York Uniform Commercial Code Code § 3-411

Certification of a Check
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Section 3--411. Certification of a Check.\n  (1) Certification of a check is acceptance. Where a holder procures\ncertification the drawer and all prior indorsers are discharged.\n  (2) Unless otherwise agreed a bank has no obligation to certify a\ncheck.\n  (3) A bank may certify a check before returning it for lack of proper\nindorsement. If it does so the drawer is discharged.\n

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