New York Banking Law

Sec. § 9-H
Imposition of Service Charges Prohibited


No banking organization shall impose any service charge with respect to any deposit account as a result of the loss of a check or money which is properly deposited with the banking organization by delivery to an employee of the banking organization for credit to the deposit account and for which a written receipt is issued by the employee.
Source

Last accessed
Dec. 13, 2016