... waiting more than the ninety days required by the UCC, N.J.S.A. 12A:3-312, the bank refunded the money to Thomas's and Joseph ... 186 N.J. Super. at 66-67. 3 The UCC, N.J.S.A. 12A:3-312(a) and (b), currently provides that, if the remitter (purchaser ... was drawn, or to any other holder of the check. N.J.S.A. 12A:3-312(b). Noting the banks' reasonable commercial expectations with respect to the handling of cashier's checks, comment 3 to N.J.S.A. 12A:3-312 states: "Virtually all such checks are presented for payment within ... incapacitated by a court. 3 Santos predated the adoption of N.J.S.A. 12A:3-312, discussed below, which formalizes the procedures to be followed in ... a refund of a cashier's check. 4 Pursuant to N.J.S.A. 12A:3-312(a)(3), a claim concerning a stolen cashier's ...