Mich. Comp. Laws § 440.4106: “Payable through” and “payable at” explained; bank as collecting bank.

Sec. 4106.

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.

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.

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.