James Lossia, Jr. v. Flagstar Bancorp, Inc.

BOGGS, Circuit Judge.

This is a breach-of-contract case arising from the order in which Flagstar Bank (Flagstar) processes Automated Clearing House (ACH) transactions. James Lossia, Jr. and Alexandra Plapcianu are former checking-account customers of Flagstar. Lossia asserts that his checking-account agreement required Flagstar to process his ACH transactions in the order that he initiated them, which Flagstar admittedly did not do. But because the plain language of the agreement does not require Flagstar to process transactions in the order that the customer initiated them, we affirm the…