Okla. Stat. tit. 12A, § 12A-4-212: Presentment by Notice of Item Not Payable By, Through,

or At Bank; Liability of Drawer or Indorser.

PRESENTMENT BY NOTICE OF ITEM NOT PAYABLE BY, THROUGH, OR AT BANK;

LIABILITY OF DRAWER OR INDORSER

(a) Unless otherwise instructed, a collecting bank may present

an item not payable by, through, or at a bank by sending to the

party to accept or pay a record providing notice that the bank holds

the item for acceptance or payment. The notice must be sent in time

to be received on or before the day when presentment is due and the

bank must meet any requirement of the party to accept or pay under

Section 3-501 of this title by the close of the bank's next banking

day after it knows of the requirement.

(b) If presentment is made by notice and payment, acceptance,

or request for compliance with a requirement under Section 3-501 of

this title is not received by the close of business on the day after

maturity or, in the case of demand items, by the close of business

on the third banking day after notice was sent, the presenting bank

may treat the item as dishonored and charge any drawer or indorser

by sending it notice of the facts.