Clients can only withdrawal from the previous savings, rewards, or transferred earnings from shares and savings transfer to the corresponding account.
The savings withdraw window has two tabs that it uses during the withdraw procedure
There are various charges that are associated with savings withdraws and these should be defined at System-> Configuration->Saving->Savings Accounts Settings. This will help you to set them as compulsory or not.
The Nº 1 Software for Microfinance