N.Y. Uniform Commercial Code Law § 3-411: Certification of a Check

Section 3--411. Certification of a Check.

(1) Certification of a check is acceptance. Where a holder procures

certification the drawer and all prior indorsers are discharged.

(2) Unless otherwise agreed a bank has no obligation to certify a

check.

(3) A bank may certify a check before returning it for lack of proper

indorsement. If it does so the drawer is discharged.