intended those sections to be read in conjunction with 12 U.S.C. § 360. Section 4-105(d) of the UCC sets out a very practical, commonsensical definition of “collecting” bank as every bank in the collection chain except the payor bank. See, e.g., Southern Cotton Oil Co. v. Merchants Nat. Bank (5th Cir.1982) 670 F.2d 548; Union Bank of Benton v. First Nat. Bank (5th Cir.1980) 621 F.2d 790; Engine Parts v. Citizens Bank (1978) 92 N.M. 37, 582 P.2d 809; Wilhelm Foods v. Nat. Bank of North America (S.D.N.Y.1974) 382 F.Supp. 605; Tubin v. Rabin (N.D.Tex.1974) 382 F.Supp. 193. The FRBNY was certainly a link in that chain. Defendant argues further that it is not a collecting bank because it was sent the check by mistake. See Citizens State Bank v. Martin (1980) 227 Kan. 580, 609 P.2d 670, 676 (<HOLDING>). The check, however, was not sent by mistake.
holding that a bank customer did not have a reasonable expectation of privacy in records maintained by the bank recognizing that a bank customer may have a tort claim against a bank for the wrongful dishonor of a check holding that a bank receiving a check because of a encoding error is not a collecting bank holding successor national bank liable for punitive damages judgment against bank that merged into successor national bank holding a bank liable where a bank officer held checks that were intended to pay the irs for withheld taxes