An applicant who received a Notification of Interest from Ontario was preparing an OINP e-filing profile and worried about the settlement-funds evidence: about $15K CAD in savings for a single applicant, but the balance had not been at that level for the full three months of statements, and their only source was full-time salary.
What the thread offered:
- Know the documentary checklist. OINP asks for the last three months of bank statements showing the institution name, account number, balance, and the applicant as holder — plus a letter from the bank confirming the funds are available and that investments can be liquidated on instruction and at what value.
- A recent top-up isn't fatal — the balance keeps aging while the file processes. On the worry that $15K hadn't been maintained for the full three months, a member's practical take: by the time the file is actually assessed, more than three months will have passed anyway, so a legitimate salary-sourced balance shouldn't be a problem.
- Credit-card loans and the funds picture. The poster also asked about submitting without declaring credit-card loans; a member reported a friend's application went through fine in a comparable situation. (Anecdote only — declare liabilities wherever a form requires them.)
Treat member reassurance as directional: the safe course is a genuinely maintained, salary-traceable balance that meets the current IRCC/OINP threshold for your family size at both nomination and PR stages.