- validateCashierHasMorningTransfer(): blocks all txns when no today's cash transfer in m_cash_transfer - validatePreviousDayClosed(): blocks when previous business day unsettled - Both validations called on deposit AND withdrawal in Savings, Current, FD, RD services - cashier-day-status endpoint now returns morningTransferReceived field - getCashierTotalCash SQL fixed: dm.denomination_value -> dm.denomination Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>