Why don't you just go to the bank (if that is where the TD is) and ask them to break the deposit?
If you are unable to, then (nothing personal), you've just demonstrated why the ATO should insist on SMSF trustees having a minimum amount of education regarding running a fund before being allowed to do so.
You should have ensured that your investment strategy reflected the fact that you had to pay out $XX in this financial year. Otherwise, welcome to "non-compliance-ville".
Once again, nothing personal just a common problem around the place and this is a Superannuation Forum.
As for the question regarding pooled / segregated - yes, the outcome can be very different eg you can use c'fwd losses and / or have mainly capital gaining assets in accumulation and income producing in the pension.
