As you say, it is a state law issue and that is where your question might be answered. You might try re-posting in your state's forum.
Generally, a wire transfer or POS indicates the customer is still treating the account as active. Some ACH transactions; e.g. an ARC or a POP would make the same suggestion.
_________________________
In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.