What you're describing is a Rules Engine. SQL Server doesn't have one built in but there is an article on MSDN describing how you could build your own. It probably seems a bit over-engineered for just one rule, but perhaps your application has other rules too.
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You could always put this business logic in a stored procedure responsible for performing a withdrawal. That way when you want to change the logic you don't have to re-deploy the web app.
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