11. Which one of the following statements is correct?

A. Funds received via automated clearinghouse transfers are available that day.

B. A depository transfer check is the most costly means of transferring funds into a cash concentration account.

C. The means selected to transfer funds into a concentration account depends primarily upon the size of the transfers.

D. Concentration accounts are used to transfer funds to lockbox locations as needed.

E. The most expedient means of transferring funds into a concentration account is a wire transfer.