Ohio § 1304.35

§ 1304.35.

(A) A bank that sends or makes available to a customer a statement of account showing

payment of items for the account shall either return or make available to the customer

the items paid or provide information in the statement of account sufficient to allow

the customer reasonably to identify the items paid.  The statement of account provides sufficient information if the item is described

by item number, amount, and date of payment. (B) If the items are not returned to the customer, the person retaining the items shall

either retain the items or, if the items are destroyed, maintain the capacity to furnish

legible copies of the items until the expiration of seven years after receipt of the

items.  A customer may request an item from the bank that paid the item, and that bank must

provide in a reasonable time either the item or, if the item has been destroyed or

is not otherwise obtainable, a legible copy of the item. (C) If a bank sends or makes available a statement of account or items pursuant to division

(A) of this section, the customer must exercise reasonable promptness in examining

the statement or the items to determine whether any payment was not authorized because

of an alteration of an item or because a purported signature by or on behalf of the

customer was not authorized.  If, based on the statement or items provided, the customer should reasonably have

discovered the unauthorized payment, the customer must promptly notify the bank of

the relevant facts. (D) If the bank proves that the customer failed with respect to an item to comply with

the duties imposed on the customer by division (C) of this section, the customer is

precluded from asserting either of the following against the bank: (1) The customer's unauthorized signature or any alteration on the item if the bank also

proves that it suffered a loss by reason of that failure; (2) The customer's unauthorized signature or alteration by the same wrongdoer on any

other item paid in good faith by the bank if the payment was made before the bank

received notice from the customer of the unauthorized signature or alteration and

after the customer had been afforded a reasonable period of time, not exceeding thirty

days, in which to examine the item or statement of account and notify the bank. (E) If division (D) of this section applies and the customer proves that the bank failed

to exercise ordinary care in paying the item and that the bank's failure substantially

contributed to the loss, the loss is allocated between the customer who is precluded

and the bank asserting the preclusion according to the extent to which the failure

of the customer to comply with division (C) of this section and the failure of the

bank to exercise ordinary care contributed to the loss.  If the customer proves that the bank did not pay the item in good faith, the preclusion

under division (D) of this section does not apply. (F) Without regard to care or lack of care of either the customer or the bank, a customer

who does not within one year after the statement or items are made available to the

customer discover and report the customer's unauthorized signature on or any alteration

on the item is precluded from asserting against the bank the unauthorized signature

or alteration.  If there is a preclusion under this division, the payor bank may not recover for

breach of warranty under section 1304.28 of the Revised Code with respect to the unauthorized signature or alteration to which the preclusion

applies.