diff --git a/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/MessageBuilder.kt b/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/MessageBuilder.kt
index d34ddeb8..b1208d7a 100644
--- a/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/MessageBuilder.kt
+++ b/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/MessageBuilder.kt
@@ -97,12 +97,7 @@ open class MessageBuilder(protected val generator: ISegmentNumberGenerator = Seg
     open fun createGetBalanceMessage(bank: BankData, customer: CustomerData, product: ProductData, dialogData: DialogData): String {
 
         return createSignedMessage(bank, customer, dialogData, listOf(
-            Saldenabfrage(
-                generator.resetSegmentNumber(2),
-                bank,
-                customer,
-                false
-            ),
+            Saldenabfrage(generator.resetSegmentNumber(2), bank, customer),
             ZweiSchrittTanEinreichung(generator.getNextSegmentNumber(), TanProcess.TanProcess4, CustomerSegmentId.Balance)
         ))
     }
diff --git a/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/segmente/implementierte/umsaetze/Saldenabfrage.kt b/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/segmente/implementierte/umsaetze/Saldenabfrage.kt
index fc7e0731..0d5e09cd 100644
--- a/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/segmente/implementierte/umsaetze/Saldenabfrage.kt
+++ b/fints4javaLib/src/main/kotlin/net/dankito/fints/messages/segmente/implementierte/umsaetze/Saldenabfrage.kt
@@ -14,7 +14,7 @@ open class Saldenabfrage(
     segmentNumber: Int,
     bank: BankData,
     customer: CustomerData, // TODO: pass AccountData instead
-    allAccounts: Boolean,
+    allAccounts: Boolean = false,
     maxAmountEntries: Int? = null
 )
     : Segment(listOf(