(a) Si un efecto indica ser “pagadero a través de” un banco identificado en el efecto: (1) el efecto designa al banco como banco cobrador pero de por sí no autoriza al banco a pagar el efecto, y (2) el efecto puede presentarse para pago solamente, por o a través del banco.
(b) Si un efecto indica ser “pagadero en” un banco identificado en el efecto, el efecto es equivalente a un giro girado contra el banco.
(c) Si un giro nombra a un librado que no es un banco y no está claro si un banco nombrado en el giro es un co-librado o un banco cobrador, el banco es un banco cobrador.
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