§ 520-d. Unsolicited convenience checks. 1. As used in this section,
the following terms shall have the following meanings:

(a) "check" means any negotiable instrument, as defined by section
3-104 of the uniform commercial code, that has imprinted on it the
holder's name and the depository institution's name, location, and
routing number.

(b) "unsolicited check" means any check mailed or otherwise delivered
to a holder by an issuer or agent acting on behalf of an issuer for the
purpose of drawing on an existing account that is an extension of credit
or activating an account to obtain credit other than:

(1) in response to a request or application for a check or account; or

(2) as a substitute for a check or account previously issued to the
person to whom the check is mailed or otherwise delivered.

2. No holder in whose name an unsolicited check is issued shall be
liable for any amount resulting from use of that check or account,
unless the holder has accepted the check or account by using the check
or account. Failure to destroy or return an unsolicited check shall not
constitute acceptance of the check or account.

3. Any agreement entered into by a holder which waives, limits or
disclaims the rights set forth in this section shall be void as contrary
to public policy.