Is it 1 year or 3 for NY? I have a customer telling me a check of his from 9/04 was forged. Do I have to honor his claim?

I believe that it is 3 years on endorsement forgery, but it is closer to 1 year on maker forgery, and could be less, depending on the verbiage in your disclosure statement or what is printed on the customer's monthly statement. If I had someone coming back to me more than a year after a maker forgery, I would not honor their claim, unless there were extenuating circumstances, and even then, probably no reimbursement.