HRS §490:4-106
What it means when a check says payable through or at a bank
This section explains what happens when a check or draft names a bank as "payable through" or "payable at." It says the bank is only a collecting bank, not authorized to pay the check. The check can only be presented for payment through that bank. If a draft names a nonbank payer and it's unclear if a bank is a co-payer or collecting bank, the bank is a collecting bank.
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The statute, as written — Payable through or payable at bank; collecting bank
(a) If an item states that it is "payable through" a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank. (b) If an item states that it is "payable at" a bank identified in the item, (i) the item designates the bank as a collecting bank and does not by itself authorize the bank to pay the item, and (ii) the item may be presented for payment only by or through the bank. (c) If a draft names a nonbank drawee and it is unclear whether a bank named in the draft is a co-drawee or a collecting bank, the bank is a collecting bank.
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