Maryland Commercial Law Section 4-105

      In this title:

            (1)      "Bank" means a person engaged in the business of banking, including a savings bank, savings and loan association, credit union, or trust company;

            (2)      "Depositary bank" means the first bank to take an item even though it is also the payor bank unless the item is presented for immediate payment over the counter;

            (3)      "Payor bank" means a bank that is the drawee of a draft;

            (4)      "Intermediary bank" means a bank to which an item is transferred in course of collection except the depositary or payor bank;

            (5)      "Collecting bank" means a bank handling an item for collection except the payor bank; and

            (6)      "Presenting bank" means a bank presenting an item except a payor bank.