A clerk raising a disbursement request with a Dr leg against a savings account had no way to know the withdrawal would be refused (inactive account, still locked-in, or insufficient balance against its own minimum) until a manager tried to approve it and the whole request bounced back. Checks the same conditions SavingsAccount.withdraw() enforces at entry time instead, against the same columns, so the clerk sees the real reason immediately. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>