I have a auto loan based out of Massachusetts. The letter or contract they send to their customers states money for payments should be in your account as of opening of business on each Friday. My interpretation of this would be like for normal business hours depending on when the bank opened. They are stating this means as of 12:01 AM Friday morning. I have inquired about this statement and they said legal approved it and should not be looked into any further. I disagree with them, can anyone tell me the actual legal definition of "Opening Of Business"?

Thank You,
morgandevine3