1) Commingled Funds- Example 1

A customer deposits a $1,000 Social Security check in his checking account. The check includes $200 for the current month and $800 for the four months before. The account already contained $300 in counted funds. The new balance is $1,300 ($500 counted, and $800 excluded retroactive SSA benefits).

The individual withdraws $300. This is considered taken from the counted funds. The remaining $1,000 balance contains the excluded $800, and the remaining $200 of counted funds.

The individual withdraws another $300. $200 is considered taken from the remaining counted funds and $100 from the excluded funds. The balance of $700 is excluded.

The individual deposits $500 from the sale of some furniture, creating a new balance of $1,200. Only $700 of the new balance is excluded.