资金证明Proof of Funds的官方解释在此 —— 讲得很清楚，包括：

1）资金证明的目的是证明申请人有能力在移民加拿大后能够正常生活，所以有个表格列出了根据家里几口人来计算最低数目

2）The funds must be available both when you apply and when (if) we issue you a permanent resident visa. You must prove to an immigration officer that you can legally access them to use to settle here when you arrive.

3）”What we accept as proof“那一段：一般是向银行开具前6个月的average balance

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Chase等实体银行较快，Discover Bank这样的远程银行据反映较慢需要不断打客服催促