Which of the following does UCC Article 4 not cover?

UCC Article 4 primarily deals with the relationships and duties between banks and their customers in the context of funds transfers and the processing of checks. It outlines the rights and responsibilities related to the collection processes and the operational guidelines banks must adhere to in relation to the transfer and handling of funds.

Endorsement types, while important in the context of checks, are specifically covered under UCC Article 3, which addresses negotiable instruments. Therefore, endorsement types do not fall under UCC Article 4's scope, making this the correct answer.

The other choices are directly related to UCC Article 4's focus on banking operations and the handling of checks and funds. Funds transfers deal with the electronic and paper methods of transferring money, collection processes for checks describe how banks manage the collection of funds, and banking operation guidelines outline the standard procedures banks must follow in their operations. These elements are integral to the framework established by Article 4, distinguishing them from the endorsement types which are addressed separately under Article 3.