- A Fixed Deposit row is credit-only on the clerk and cashier screens (isFdCreditOnly): its DR button is disabled, and Save refuses any FD row left on DR (for example by a Withdrawal Slip TYPE). Money leaves an FD only through its maturity or premature closure; the clerk's "Close this account" flow is the one exception. - Bank Transfer / Fund Transfer accepts an FD on the CR side, so an FD can be funded from the customer's own Savings or Current account. The server enforces the funding rules (first and only funding, exactly the principal, the source account's owner, freeze status and available balance). Requires the backend change "FD funding rules and no FD withdrawals from clerk/cashier requests". Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>