Not really going anywhere specific with this but it's either a point worth making or somebody can fill in a gap for me:

I'm in the UK and the 26th December is called 'boxing day' (I'm not sure if it's the same in the US). Boxing day is a national bank holiday and there is not a bank in the country that would be open. If the Ramseys were supposed to collect the ransom money on that day, without alerting bank authorities then how are they supposed to do this if the bank was closed?

If things are different in US re Boxing day please let me know.