The first Code exception involves "organizations" which receive potentially thousands of checks every day and cannot inspect all notations. Under the exception, if an organization notifies a debtor that any offers to settle for less than the debt claimed must be made to a particular official, and the check is sent to anyone else in the organization, depositing a "full settlement" check generally does not create an accord and satisfaction. Second, if within $90$ days of cashing a "full payment" check, the creditor offers repayment of the same amount to the debtor, there is no accord and satisfaction.