Bank fund transfer - clarification needed

 Hi,
 I was trying to do this bank fund transfer , i have found some document from metalink and tried to do that.
Which is not completing, in the level of create accounting it has dropped..

 But one of my friend is suggesting that only if we maintain bank balances
 into the system on daily basis we can make a fund transfer otherwise we cannot do this.


Is it true...? Need some more clarification on this...
Please provide me some documents regarding this.


Regards
Naveen.s