Okla. Stat. tit. 12A, § 12A-4-204: Methods of Sending and Presenting; Sending Directly to

Payor Bank.

METHODS OF SENDING AND PRESENTING;

SENDING DIRECTLY TO PAYOR BANK

(a) A collecting bank shall send items by a reasonably prompt

method, taking into consideration relevant instructions, the nature

of the item, the number of those items on hand, the cost of

collection involved, and the method generally used by it or others

to present those items.

(b) A collecting bank may send:

(1) An item directly to the payor bank;

(2) An item to a nonbank payor if authorized by its

transferor; and

(3) An item other than documentary drafts to a nonbank

payor, if authorized by Federal Reserve regulation or

operating circular, clearing-house rule, or the like.

(c) Presentment may be made by a presenting bank at a place

where the payor bank or other payor has requested that presentment

be made.