2018 New York Laws
UCC - Uniform Commercial Code
Article 9 - Secured Transactions
Part 3 - Perfection and Priority
Sub Part 1 - Law Governing Perfection and Priority
9-304 - Law Governing Perfection and Priority of Security Interests in Deposit Accounts.

Section 9--304. Law   Governing  Perfection  and  Priority  of  Security
                Interests in Deposit Accounts.
(a) Law of bank's jurisdiction governs. The  local  law  of  a  bank's
  jurisdiction   governs   perfection,   the   effect   of  perfection  or
  nonperfection, and the priority of a  security  interest  in  a  deposit
  account maintained with that bank.
(b) Bank's  jurisdiction.  The  following  rules  determine  a  bank's
  jurisdiction for purposes of this part:
     (1) If an agreement between the bank and its  customer  governing
         the  deposit  account  expressly  provides  that a particular
         jurisdiction is the bank's jurisdiction for purposes of  this
         part, this article, or this chapter, that jurisdiction is the
         bank's jurisdiction.
     (2) If  paragraph (1) does not apply and an agreement between the
         bank and its customer governing the deposit account expressly
         provides that the agreement is  governed  by  the  law  of  a
         particular  jurisdiction,  that  jurisdiction  is  the bank's
         jurisdiction.
     (3) If neither paragraph (1) nor paragraph  (2)  applies  and  an
         agreement  between  the  bank  and its customer governing the
         deposit account expressly provides that the  deposit  account
         is maintained at an office in a particular jurisdiction, that
         jurisdiction is the bank's jurisdiction.
     (4) If  none  of  the  preceding  paragraphs  apply,  the  bank's
         jurisdiction  is  the  jurisdiction  in  which   the   office
         identified  in an account statement as the office serving the
         customer's account is located.
     (5) If  none  of  the  preceding  paragraphs  apply,  the  bank's
         jurisdiction is the jurisdiction in which the chief executive
         office of the bank is located.