Hi @NEC
I assume that the credit that’s built up is what you’ve taken as drawings from the business - is that correct?
It’s perfectly fine for these to build up, but remember to journal these to 3100. You don’t necessarily have to wait until year end to sort this either. You can do this on a monthly basis if you’d prefer - the choice is yours.
You can certainly unlock any locked accounts, but it depends on how they’ve been locked. I’d imagine the transfers would have been locked by a year end journal. There’s more info on removing this lock here: