New York Banking Law Section 9-H - Imposition of service charges prohibited.

 9-h.   Imposition   of   service   charges  prohibited.  No  banking
  organization shall impose any service charge with respect to any deposit
  account as a result of the loss of a check or money  which  is  properly
  deposited  with  the  banking organization by delivery to an employee of
  the banking organization for credit to the deposit account and for which
  a written receipt is issued by the employee.

Last modified: February 3, 2019