Fact Pattern 27-1B

Multiple Choice

Fact Pattern 27-1B
Tom draws a check, on his account in State Bank in New York, payable to Digital Computers, Inc., in San Francisco. Digital deposits the check in its ac?count at First National Bank. First National deposits the check in the Federal Reserve Bank of San Francisco, which transfers it to the Federal Reserve Bank of New York. That Federal Reserve bank sends the check to State Bank.
-Refer to Fact Pattern 27-1B. Tom's bank is

A) the cashing bank.
B) the depositary bank.
C) the intermediary bank.
D) the payor bank.