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In re: SHARRENE WELLS,
Debtor.
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MBNA AMERICA BANK, N.A., part of Bank of America Corporation,
Appellant,
v.
MARCIA R.MEOLI, Trustee,
Appellee.


No. 08-1381

Appeal from the Bankruptcy Appellate Panel of the Sixth Circuit.
No. 06-80634—Jeffrey R. Hughes, Bankruptcy Judge.
Argued: December 5, 2008
Decided and Filed: April 10, 2009
Before: RYAN, SILER, and GRIFFIN, Circuit Judges.

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OPINION
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RYAN, Circuit Judge. This appeal comes to this court from the Bankruptcy Appellate Panel’s affirmance of the bankruptcy court’s decision to grant summary judgment in favor of the bankruptcy trustee Meoli. The issue this case presents is whether two $5,000 “convenience checks” paid from the debtor’s Chase Bank account to offset the balance on