We use NetTeller & ODP, but not the Fi-to-FI transfers. However, for our intra-bank transfers and cash management customers, I know we have to go through and make sure that the system is set to use the AVAILABLE balance, not the ledger or collected or something else. Since ODP shows in the available balance, they can then access their ODP funds from their checking account. I'm not sure exactly where the settings would be though since we don't use the FI-to-FI transfer feature. With NetTeller, some settings are on the core (we use 20/20) and some are in FI Management.