{"data":{"id":"us-ny/n.y.-banking-law-9-z","jurisdiction":"us-ny","citation":"N.Y. Banking Law § 9-z","heading":"Cashing of certain checks","body":"§ 9-z. Cashing of certain checks. 1. No bank, trust company, savings\nbank, savings and loan association or credit union shall, refuse to cash\na cashier's check, a payroll check, or a certified check in the amount\nof five hundred dollars or less, drawn on accounts in such institution\nor a branch as long as there are sufficient funds within the account on\nwhich the check is drawn. Such institution may require, as a condition\nfor cashing such check, that the payee present a valid government-issued\nphoto identification and matching proof of address such as a bank\nstatement, utility bill or printed pay stub.\n  2. If a person presents such forms of identification, as provided in\nsubdivision one of this section, and a signature or mark, and the insti-\ntution refuses to cash the check in the absence of suspected fraudulent\nactivity, such institution shall be guilty of a violation of this\nsection and shall be subject to penalties pursuant to section forty-four\nof this chapter.","path":["Banking Law","Article 1. Short Title; Definitions; Miscellaneous Provisions"],"source_url":"https://legislation.nysenate.gov/api/3/laws/BNK/9-Z","current_through":"2026-09-11","vintage":"","retrieved_at":"2026-09-14T19:32:44Z","sha256":"e2a6e7645abba2d86d091fd2f589e8001ea37d0f37cd081ada9f98d54c81ab9f","source_id":"us-ny","stale":false,"prev":"us-ny/n.y.-banking-law-9-y","next":"us-ny/n.y.-banking-law-10"},"notice":"GroundRules: Original legal text. Not legal advice."}