A long time ago when I worked at a bank and had a generous library budget, I used to have a tome called "Brady on Bank Checks." It had all sorts of information on checks and articles 3 and 4 of the UCC and citations to court cases involving issues like this. When I last looked at Brady, courts were allowing banks to impose shorter customer reporting periods than specified in in UCC 4-406, and it looked like the line could be drawn tighter for business accounts. In some cases, 14 days was approved by a court, but the courts of one state would not have strong influence on the courts of another state. I also recommend consulting legal counsel conversant with what's going on in your state with respect to articles 3 and 4 (they might also have a current edition of Brady).
Last edited by John Burnett; 10/25/21 09:46 PM.
P.S. - Brady is now titled Brady on Bank Checks and Funds Transfers, and covers UCC articles 3, 4, and 4A. You can buy a print or electronic copy from Lexis Nexis for a mere $1348 or so.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8