Harby v. Wachovia Bank, N.A.

“No acceptance” and “no consideration” are the twin defenses asserted by appellant Shawn R. Harby, substitute guardian of the property of Donavan Marqúese Brooks, to the arbitra*417tion clause in appellee Wachovia Bank, N.A.’s depositary agreement. Like the Circuit Court for Baltimore City, we find no merit in either defense.

FACTS AND LEGAL PROCEEDINGS

On July 22, 2004, Candace Edwards opened an account at a Wachovia branch office in Baltimore. Acting as the court-appointed guardian of the property of her minor son Donavan Marqúese Brooks, Edwards presented a check for $100,000, which represented…