New York Uniform Commercial Code Law Section 3-120 - Instruments "Payable Through" Bank.

Section 3--120. Instruments "Payable Through" Bank.
An  instrument which states that it is "payable through" a bank or the
  like designates that bank as a collecting bank to make  presentment  but
  does not of itself authorize the bank to pay the instrument.

Last modified: February 3, 2019