HRS §490:4A-206
How payment orders are sent through transfer systems
When you send a payment order through a transfer system, the system acts as your agent to deliver it to the bank. If the system changes the order, the version the bank receives is considered yours. This rule does not apply to Federal Reserve Banks and also covers canceling or changing orders.
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The statute, as written — Transmission of payment order through funds-transfer or other communication system
(a) If a payment order addressed to a receiving bank is transmitted to a funds-transfer system or other third-party communication system for transmittal to the bank, the system is deemed to be an agent of the sender for the purpose of transmitting the payment order to the bank. If there is a discrepancy between the terms of the payment order transmitted to the system and the terms of the payment order transmitted by the system to the bank, the terms of the payment order of the sender are those transmitted by the system. This section does not apply to a funds-transfer system of the Federal Reserve Banks. (b) This section applies to cancellations and amendments of payment orders to the same extent it applies to payment orders.
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