HRS §490:4-204
How banks send and present checks
Read the official text at capitol.hawaii.gov ↗This section says how a collecting bank must send checks or other payment items for payment. It must use a reasonably prompt method. It may send items directly to the paying bank, or to a nonbank payer if allowed. Presentment happens where the payer asked for it.
financial institutions
The statute, as written — Methods of sending and presenting; sending directly to payor bank
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
(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.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.