I am not quite sure how they calculate the ADB. On the FAQ, they mentioned an example, the account with 100K fresh fund, but subsequently withdraw $15K on the same day. According to the FAQ, the customer cannot opt for the 100K promotion, apparently is only for $85K. The FAQ never mention what was the initial amount of money that the account holder have at the end of the pervious month. If it was started with $30K, the user simply withdraw the amount he held earlier, the $100K deposit should still be valid, right? Further more, the example quoted the same day withdrawn 15K, how about if I withdraw on some later days. Can I also deposit the money back to make the ADB higher than previous month?