Efficient Funds Management Attempts to Reduce Mailing and Clearing Time

Efficient funds management attempts to reduce mailing and clearing time. Two methods do this by:

A) moving collections and deposits closer together in concentration banks; and moving surplus funds quickly by wire transfers.
B) moving mailing points to cross country locations and using depository drafts to transfer funds.
C) drawing checks against zero balance accounts and using cross country mailing.
D) wiring funds to zero balance accounts and using lockboxes in many cities.