§ 9-z. Cashing of certain checks. 1. No bank, trust company, savings bank, savings and loan association or credit union shall, refuse to cash a cashier's check, a payroll check, or a certified check in the amount of five hundred dollars or less, drawn on accounts in such institution or a branch as long as there are sufficient funds within the account on which the check is drawn. Such institution may require, as a condition for cashing such check, that the payee present a valid government-issued photo identification and matching proof of address such as a bank statement, utility bill or printed pay stub.

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2. If a person presents such forms of identification, as provided in subdivision one of this section, and a signature or mark, and the insti- tution refuses to cash the check in the absence of suspected fraudulent activity, such institution shall be guilty of a violation of this section and shall be subject to penalties pursuant to section forty-four of this chapter.