Inter-account debts are created when income and/or expenditure transactions are recorded across multiple bank accounts in SCO. In the Banking screen, you will see these as Unsettled debts pending.

These debts usually relate to transactions linked to the School bank cost centre. The School bank cost centre is used to hold funds deposited using the pupil pre-payment account functionality.
When required these funds can be transferred to other products such as Dinners, Extended Day, Uniform and Trips. However, any such products should be set up in the same bank account as the School bank, otherwise an inter-account debt will be created.

Note that Petty Cash also uses the School bank cost centre for banking purposes. If Petty Cash expenditure is made for a cost centre located in a different bank account to the School bank cost centre, an unsettled debt will occur.