New York Codes, Rules and Regulations
Title 3 - BANKING
Chapter I - GENERAL REGULATIONS OF THE SUPERINTENDENT
Part 32 - Maximum Charges For Payments Made Against Insufficient Funds, Uncollected Balances And Return Items; Certain Disclosures
Section 32.2 - Charges imposed in connection with overdraft items

No bank, trust company, savings bank, savings and loan association or licensed branch of a foreign banking corporation shall, in connection with the payment, acceptance or return of such check or order, impose any fee, fine, commission or other charge, however designated, in addition to the maximum charge established by section 32.1 of this Part, except that nothing in this Part expressed shall prevent a bank, trust company, savings bank, savings and loan association or licensed branch of a foreign banking corporation from taking, receiving, reserving or charging interest, as authorized by law in connection with credit extended in connection with the payment of such check or order, or from imposing any charge in accordance with a written agreement established as provided by sections 108(5), 235(8-b), 235-c, 380-g, 380-i and 202(8) of the Banking Law.