West Virginia Code § 46-4-106

Payable through or payable at bank; collecting bank
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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, (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.
(c) If a draft names a nonbank drawee and it is unclear whether ua bank named in the draft is
a codrawee or a collecting bank, the bank is a collecting bank.

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