What's the best way to model an electronic funds transfer pull with hold

[Nelson]

Let's assume that we have two accounts, bank-a and bank-b. 

- bank-a has a $11,000.00 balance
- bank-b initiates a $10,000.00 electronic funds transfer pull.
- money shows up in bank-b immediately but there is a 5 business days hold
so money is not available.
- for at least 2 business days, until it clears through the payment network,
the transaction doesn't show up in bank-a but this money should be shown
somehow as unavailable.

TIA for recommendations.




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