KRS 355.4-106: Payable through or payable at bank -- Collecting bank.

(1) If an item states that it is "payable through" a bank identified in the item:

(a) The item designates the bank as a collecting bank and does not by itself

authorize the bank to pay the item; and

(b) The item may be presented for payment only by or through the bank.

(2) If an item states that it is "payable at" a bank identified in the item, the item is

equivalent to a draft drawn on the bank.

(3) If a draft names a nonbank drawee and it is unclear whether a bank named in the

draft is a co-drawee or a collecting bank, the bank is a collecting bank.