This condition applies to deposits with partial withdrawal options. The depositor may use funds above the established minimum, but if the balance falls below it, the contract is considered breached.
Consequences are determined by the contract and typically involve recalculating interest at a reduced rate for the entire period or contract termination. Therefore, partial withdrawals require careful calculation: an amount that appears available may be the one that eliminates accumulated income.
It is important to clarify how the balance is determined—on a specific date or throughout the entire period—and whether accrued but unpaid interest is included in the calculation.
In essence, the minimum balance is a compromise between a fixed-term deposit and full fund accessibility: part of the amount earns interest at an enhanced rate, while part remains flexible. Such offers should be evaluated from this perspective, rather than based solely on the stated rate.