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Old 15-12-2020, 12:12 PM   #7784
Chaosphere
Member
 
Join Date: Jan 2011
Posts: 434
Haha.. Stop confusing yourself la! What u highlighted is actually the ANSWER to your question!

End of day balance - e.g. on 15/12/20,
Starting balance: 10k, u deposit 1k, then withdraw 3k, then deposit 2k.
End day balance: 10k

Lowest balance in the Month -

e.g. (1) your account was opened on 1/12/20 and u DID NOT deposit on 1/12/20, but deposit 10k on 2/12/20 and remain as 10k for the rest of the month:

So end day balance on 1/12: 0
End day balance on 2/12 - 31/12: 10k

Your Lowest balance in the Month is 0

e.g. (2) your account was opened on 1/12/20 and u deposited 10k on 1/12/20, and deposit 5k on 2/12/20 and withdraw 6k on 3/12:

So end day balance on 1/12: 10k
End day balance on 2/12: 15k
End day balance on 3/12 - 31/12: 9k

Your Lowest balance in the Month is 9k
Haha my bad! I see the "at any point in time" then I mini panic. I was adding a new payee from the Citi phone app, but somehow you cannot just add payee, have to make a transfer, so I transferred $1 out, but didn't realized it was from MaxiGain account so I panic.

I just got off the phone with Citibank also, they confirmed is end day balance, so long as the amount you transferred out from MaxiGain is replenished within the same day, it will not be affected. If you past 12 midnight then replenish, then the lowest balance will be affected because it's already the next day.
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