How can a bank transfer be slower than snail mail.

Heh. The question you should be asking is: How do banks even manage to function at all with the cobbled-together, bailing-wire-and-tape systems they use to transact their business. You should see how much training the employees have to go through every time they do a system changeover.

Knowing the way banks work, your wired money probably just got routed to the wrong account. Probably to somebody named "Tuttle".

(Bonus point to identify that last reference.)

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Tony Fabris