“Did she ask about the automatic schedule?” I asked.

“She asked the teller whether an incoming electronic funds transfer was pending for Friday the first,” Fiona said.

“And what did the teller say?” I asked.

“The teller told her scheduled transfers don’t show on the customer’s ledger until midnight on the effective date,” Fiona whispered.

“Thank you so much, Fiona,” I said.

“Miss Carter?” Fiona hesitated, her breath loud against the phone’s microphone.

“Is something wrong with the authorization on the file?”