New York Consolidated Laws, Banking Law - BNK § 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.