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2010 New York Code
BNK - Banking
Article 6 - (229 - 260-B) SAVINGS BANKS
235-C - Regulation of certain charges.

§ 235-c.  Regulation  of certain charges. The banking board shall have
  the power to prescribe by regulation (i) the maximum charge which may be
  imposed in this state by a savings bank in connection with  a  check  or
  other written order drawn upon it on insufficient funds, irrespective of
  whether  the  instrument  is paid, accepted or returned by the bank, and
  (ii) the maximum charge which may be imposed in this state by a  savings
  bank  in  connection  with a check or other written order received by it
  for deposit or collection and subsequently dishonored and  returned  for
  any reason by the drawee.

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