Tom draws a check, on his account in State Bank in New York, payable to Digital Media, Inc., in San Francisco. Digital deposits the check in its account 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 23-2. Tom's bank is Question 5 options: A) the intermediary bank. B) the payor bank. C) the depositary bank. D) the cashing bank