N.Y. Banking Law § 235-c: Regulation of certain charges

§ 235-c. Regulation of certain charges. The superintendent of

financial services shall have the power to prescribe by regulation (i)

the maximum charge which may be imposed in this state by a savings bank

in connection with a check or other written order drawn upon it on

insufficient funds, irrespective of whether the instrument is paid,

accepted or returned by the bank, and (ii) the maximum charge which may

be imposed in this state by a savings bank in connection with a check or

other written order received by it for deposit or collection and

subsequently dishonored and returned for any reason by the drawee.