If Nina, a payee, deposits a check made payable to herself in her own account in a bank that is not the payor bank, any settlement given by the depositary bank is final.

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If the items are deposited in the customer's account, any settlement made by the bank with the customer is provisional. However, a provisional settlement may be revoked by the bank if an item that the bank is attempting to collect is dishonored. The bank may charge back the amount of any credit given for the item to its customer's account or obtain a refund from its customer.

If Nina, a Payee, Deposits a Check Made Payable to Herself