I had an apple daily account some years ago with Garanti, and it was only when I tried to make a withdrawal one afternoon that I was informed that my balance was showing 0 funds, when I questioned this I was informed that the bank use the funds to play the markets after a certain time of day
I closed the account immediately, now I am not saying that this Orange account has the same criteria, as Banker I hope will confirm[?] but beware of banks bearing gifts