OPINION
RANSOM, Justice.
Johnnie Shannon, doing business as Autos Unlimited, appeals from the trial court's entry of summary judgment in favor of Sunwest Bank of Albuquerque in Shannon's suit for debt and money due. Shannon claimed that Sunwest was a payor bank bound by the "midnight deadline" rule and that Sunwest failed to return in a timely manner two drafts issued to Shannon as part of a transaction involving the sale of two vehicles. We affirm.
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