"Payment date" of a payment order means the day on which the amount of the order is payable to the beneficiary by the beneficiary's bank. The payment date may be determined by instruction of the sender but cannot be earlier than the day the order is received by the beneficiary's bank and, unless otherwise determined, is the day the order is received by the beneficiary's bank.
Payment date - UCC 4A-401
Ohio Rev. Code Ann. § 1304.73, under Chapter 1304 | Bank Deposits And Collections.
Ohio Rev. Code Ann. § 1304.73