Patent ID: 8364586

Claim:
A computer-based method for storing funds in at least a checking account and a savings account of a banking institution, the funds in the savings account earning a first interest rate and the funds in the checking account earning a second interest rate which is less than the first interest rate, the method comprising, for each of a plurality of temporal cycles: receiving, at a beginning of one of the plurality of cycles, funds from a source of income (‘INC’); depositing, by a computer at the beginning of the cycle, an amount at least equal to a total amount of regularly recurring bills that have a generally fixed amount (‘FIX’) and at least a portion of a remainder of INC into the checking account; paying the regularly recurring bills and other bills from the checking account during the cycle; adjusting the deposit amount, by the computer at an end of the cycle, based on a balance of the checking account at the end of the cycle and changes to FIX; if the balance of the checking account at the end of the cycle is greater than a floor value (‘FLO’), transferring, by the computer a final amount left in the checking account above FLO to the savings account; and if the balance of the checking account at the end of the cycle is less than FLO, transferring, by the computer, a supplementary amount from the savings account to the checking account resulting in a new checking account balance which is greater than or equal to FLO.