何时应该创建受控异常，何时应该创建运行时异常?

例如，假设我创建了以下类:

public class Account {
    private float balance;

    /* ... constructor, getter, and other fields and methods */

    public void transferTo(Account other, float amount) {
        if (amount > balance)
            throw new NotEnoughBalanceException();
        /* ... */
    }
}

我该如何创建我的NotEnoughBalanceException?它应该扩展异常还是RuntimeException?或者我应该只使用IllegalArgumentException ?