Okla. Stat. tit. 12A, § 12A-3-501: Presentment

PRESENTMENT

(a) "Presentment" means a demand made by or on behalf of a

person entitled to enforce an instrument (i) to pay the instrument

made to the drawee or a party obliged to pay the instrument or, in

the case of a note or accepted draft payable at a bank, to the bank,

or (ii) to accept a draft made to the drawee.

(b) The following rules are subject to Article 4 of this title,

agreement of the parties, and clearing-house rules and the like:

(1) Presentment may be made at the place of payment of the

instrument and must be made at the place of payment if

the instrument is payable at a bank in the United

States; may be made by any commercially reasonable

means, including an oral, written, or electronic

communication; is effective when the demand for

payment or acceptance is received by the person to

whom presentment is made; and is effective if made to

any one of two or more makers, acceptors, drawees, or

other payors;

(2) Upon demand of the person to whom presentment is made,

the person making presentment must (i) exhibit the

instrument, (ii) give reasonable identification and,

if presentment is made on behalf of another person,

reasonable evidence of authority to do so, and (iii)

sign a receipt on the instrument for any payment made

or surrender the instrument if full payment is made;

(3) Without dishonoring the instrument, the party to whom

presentment is made may (i) return the instrument for

lack of a necessary indorsement, or (ii) refuse

payment or acceptance for failure of the presentment

to comply with the terms of the instrument, an

agreement of the parties, or other applicable law or

rule; and

(4) The party to whom presentment is made may treat

presentment as occurring on the next business day

after the day of presentment if the party to whom

presentment is made has established a cutoff hour not

earlier than 2 o'clock p.m. for the receipt and

processing of instruments presented for payment or

acceptance and presentment is made after the cutoff

hour.