The payor bank, a nonparty herein, acted within its midnight deadline of dishonoring and returning the check, deposited by defendants with plaintiff, the collecting/depositary bank (see, UCC 4-301, 4-302), and plaintiff acted within its own midnight deadline of charging back defendants' account for the provisional credit and notifying them that the check had been dishonored, resulting in an overdraft of defendants' account (see, UCC 4-212). Thus, the amount...
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