N.Y. Banking Law § 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.