---
type: "Bill"
title: "Provides that every banking institution maintaining checking accounts for customers shall pay checks in the order received within account balance"
description: "Provides that every banking institution which maintains checking accounts for customers shall pay checks in the order received within account balance; provides such banks may dishonor check for insufficient funds, but then must honor smaller checks within amounts on deposit in the subject account."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2021-2022"
identifier: "S 1465"
citation: "New York S 1465 (2021-2022)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["BRESLIN"]
version_count: 1
action_count: 13
vote_count: 3
first_action: "2021-01-12"
last_action: "2021-08-19"
source: "openstates"
source_identifier: "ocd-bill/28ddba33-fa3f-4298-b22b-e380154e508e"
source_url: "http://www.nysenate.gov/legislation/bills/2021/S1465"
source_hash: "4ef92f79a04df73e4b1d12c92946461d7059dc2a829987cef1749f709f861e2d"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ny"]
---

# New York S 1465 (2021-2022) — Provides that every banking institution maintaining checking accounts for customers shall pay checks in the order received within account balance

Provides that every banking institution which maintains checking accounts for customers shall pay checks in the order received within account balance; provides such banks may dishonor check for insufficient funds, but then must honor smaller checks within amounts on deposit in the subject account.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **S1465** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S1465&term=2021&Text=Y)

## Votes

- Banks Vote — **8–3** (pass) · upper
- Floor Vote — **48–15** (pass) · upper
- Assembly Vote — **102–46** (pass) · lower

## Sponsors

- BRESLIN — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-01-12** REFERRED TO BANKS `referral-committee`
- **2021-02-24** 1ST REPORT CAL.432
- **2021-03-01** 2ND REPORT CAL.
- **2021-03-02** ADVANCED TO THIRD READING
- **2021-03-05** PASSED SENATE `passage`
- **2021-03-05** DELIVERED TO ASSEMBLY
- **2021-03-05** REFERRED TO CODES `referral-committee`
- **2021-03-17** SUBSTITUTED FOR A1073
- **2021-03-17** ORDERED TO THIRD READING CAL.163
- **2021-03-25** PASSED ASSEMBLY `passage`
- **2021-03-25** RETURNED TO SENATE
- **2021-08-09** DELIVERED TO GOVERNOR `executive-receipt`
- **2021-08-19** SIGNED CHAP.398 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/28ddba33-fa3f-4298-b22b-e380154e508e`. Confidence: reported (aggregated from official New York legislature records).