N.Y. Banking Law § 9-m: Return of checks

§ 9-m. Return of checks. Any banking institution as that term is

defined in section nine-f of this chapter, except a credit union, and

any other financial institution which offers consumer accounts, meaning

accounts established by natural persons primarily for personal, family

or household purposes, which can be accessed by check, negotiable order

of withdrawal, or other similar written instrument, shall offer a

consumer account on which the cancelled checks, negotiable orders of

withdrawal, or other similar instruments drawn on that account are

returned to the customer with a periodic statement of the account.