If he had never done this before, then he'd have no way of knowing if or when he'd be able to get it if hadn't talked to the bank on or before Wednesday during office hours. Also nothing says any of the appointments were changed so if he did want the money first thing in the morning and set up the bank appointment then, why is he still on the phone with his accountant, etc. until about noon after he already has the money. It doesn't makes sense that per the charging document that the money bag picture was sent at 9 AM ("received a text from W- I on Thursday, May 14, 2015, at approximately 9:00 AM"), yet the very last call SS made was to the driver at noon long after he served the purpose of dropping off the money. If SS wasn't trying to get more money and the $40K had already been delivered in full hours ago, why was SS alive and talking to these people?:
http://www.washingtonpost.com/local...00af9e-ff07-11e4-8b6c-0dcce21e223d_story.html
I don't think the driver was in on it, but with SS calling him after he served his purpose it sounds he either stole some of the money or that the $40K had been pre-scheduled and what SS had been doing throughout the day on Thursday was to get money in addition to the $40K.