dear fazeel
we required to show proof of sufficent funds all over the immigration process, we need to submit it with the documents, we might be asked for it with additional docments request ,with the passport request , etc. the VO when he is raedy for making the decision he will assess the proof of fund, & it ( POF) must shows that we really have sufficent funds to establish ourselves in canada. if we use some of the money , then it will be a chance of rejecting our application for not having the amount required .i have seen a case in this forum that he used some of the funds from his account , & he was asked to send another POF he returned the money back & the VO was not convinced that the money was the applicant own , & he got rejection.
the previous reply was quoted from the cic web site.& i think it is clear .
my advice is to keep the required funds in the bank uptill we show them to the cbsa officer .
that is my personal opinion ,i might be right or wrong ,please refer to cic website to find out the correct answer.