The term “account” means a demand deposit account or other similar transaction account at a depository institution.
The term “business day” means any day other than a Saturday, Sunday, or legal holiday.
The term “cash” means United States coins and currency, including Federal Reserve notes.
The term “check” means any negotiable demand draft drawn on or payable through an office of a depository institution located in the United States. Such term does not include noncash items.
The term “check clearinghouse association” means any arrangement by which participant depository institutions exchange deposited checks on a local basis, including an entire metropolitan area, without using the check processing facilities of the Federal Reserve System.
The term “check processing region” means the geographical area served by a Federal Reserve bank check processing center or such larger area as the Board may prescribe by regulations.
The term “consumer account” means any account used primarily for personal, family, or household purposes.
The term “depository check” means any cashier’s check, certified check, teller’s check, and any other functionally equivalent instrument as determined by the Board.
The term “depository institution” has the meaning given such term in clauses (i) through (vi) of section 461(b)(1)(A) of this title. Such term also includes an office, branch, or agency of a foreign bank located in the United States.
The term “local originating depository institution” means any originating depository institution which is located in the same check processing region as the receiving depository institution.
The term “nonlocal originating depository institution” means any originating depository institution which is not a local depository institution.
The term “originating depository institution” means the branch of a depository institution on which a check is drawn.
The term “nonproprietary ATM” means an automated teller machine which is not a proprietary ATM.
The term “receiving depository institution” means the branch of a depository institution or the proprietary ATM, located in the United States, in which a check is first deposited.
The term “teller’s check” means any check issued by a depository institution and drawn on another depository institution.
The term “United States” means the several States, the District of Columbia, the Commonwealth of Puerto Rico, American Samoa, the Commonwealth of the Northern Mariana Islands, Guam, and the Virgin Islands.
The term “unit of general local government” means any city, county, town, township, parish, village, or other general purpose political subdivision of a State.
The term “wire transfer” has such meaning as the Board shall prescribe by regulations.