Barry Presents to Wake Bank for Deposit in His Account

Multiple Choice

Barry presents to Wake Bank for deposit in his account a check for $100 made out to him by Richard. Wake Bank provisionally credits Barry's account on Monday. When is payment final?

A) Automatically at the end of the third business day.
B) Midnight Tuesday.
C) When the amount of the check is collected from Richard's bank.
D) When Richard's bank receives the check.