I don't think you need to be a banker to figure it out . . . . . she said three BUSINESS days didn't she?
If you asked on Friday, then Monday, Tuesday, Wednesday and its done in time for you by Thursday.
If you ask on Monday, then its Tuesday, Wednesday and on Thursday your request is still being processed, completed in time for Friday.
Although some banks have branches open on Saturday's, I don't think that's a processing day.
As to whether or not they need three business days in 2005 to process what you consider to be something minor . . . . well, that's another topic. Obviously there is such a thing as competition and you can always see if its minor to them.
Cowperson
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Dear Lord, help me to be the kind of person my dog thinks I am. - Anonymous
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