Lori Writes a Check to Arturo on Citizens Second Bank

Lori writes a check to Arturo on Citizens Second Bank.Arturo deposits the check in his account at Commerce National Bank.In this case:

A) Citizens Second Bank is the depositary bank.
B) Commerce National Bank is the depositary bank.
C) Citizens Second Bank is an intermediary bank because it handles the check before it is paid.
D) Commerce National Bank is the payor bank if Arturo receives any cash back on the check.