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The savings-guaranteed reserve is activated when the checking section does not have enough or available balance; it prevents the account from going into overdraft and covers the transaction with funds from the savings section of your business account. The account will use part or the entire balance available on the savings section as collateral or payment guarantee, thus avoiding having to return checks or transactions made and activating a Reserve for the amount withheld from your savings.
To cover the amount in the reserve section, you must make a payment once you have funds available in the checking section and those funds will be returned to the savings section.
