New Fund versus New account

[CCSBA]

I have PowerChurch +9. I now have one account with several funds in which to kept balances separate. Now we have opened a new CHECKING account (to be used overseas) that I have not entered in PowerChurch yet. I have a FUND with some money in it and once a month I am supposed to transfer $500.00 from the Missions FUND #20 to the the new Missions CHECKING account. If there is $500.00 in the FUND that is great, if not I must make up the difference from our general account FUND #01 so that the transfer is always $500.00 a month into the new CHECKING account. What is the best way to set this up? Should I just create a new FUND or do I need to create a new ACCOUNT so that I will be able to do a separate reconcile when the bank statements come in? Or is there a better way?