A company pays its vendors with the following methods:
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2,600 checks, averaging $1,000 each, issued on the 15th of the month 1,000 ACH payments, averaging $2,000 each, on Wednesdays 500 ACH payments, averaging $500 each, on the first Monday of the month 10 wires on the last day of the month for approximately $260,000 each
If the company has a daylight overdraft agreement, which of the above presents the highest single-day credit risk for the bank if the company enters bankruptcy?