feat: add initial balance support to accounts, enhancing account management and balance calculations across components

components/dashboard/overview-cards.tsx

@@ -3,13 +3,17 @@
 import { Card, CardContent, CardHeader, CardTitle } from "@/components/ui/card";
 import { TrendingUp, TrendingDown, Wallet, CreditCard } from "lucide-react";
 import type { BankingData } from "@/lib/types";
+import { getAccountBalance } from "@/lib/account-utils";
 
 interface OverviewCardsProps {
   data: BankingData;
 }
 
 export function OverviewCards({ data }: OverviewCardsProps) {
-  const totalBalance = data.accounts.reduce((sum, acc) => sum + acc.balance, 0);
+  const totalBalance = data.accounts.reduce(
+    (sum, acc) => sum + getAccountBalance(acc),
+    0,
+  );
 
   const thisMonth = new Date();
   thisMonth.setDate(1);