Wooden wrote a check on an account with Wells Fargo Bank for $700,000 to HMA. The check was deposited by HMA in a U.S. Bank account on August 2. The same day, Wooden ordered Wells Fargo to stop payment on the check. The check was received by Wells Fargo Bank on August 3, which was a Friday. Therefore, the next banking day was the following Monday, August 6. Wells Fargo returned the check by courier to the Salt Lake Federal Reserve Bank either late Monday or very early Tuesday morning. HMA sued, claiming Wells Fargo missed the midnight deadline to return the check.