US Patent 11574359 Interactive banking using multiple checking accounts

A financial institution computing system associated with a financial institution includes an account management circuit. The account management circuit is configured to receive, by the network interface, a customer request to establish a checking account at the financial institution, create first and second checking accounts for the customer, the first checking account having a payment card associated therewith, the second checking account not having any payment cards associated therewith, receive, by the network interface, information regarding a funding amount for the first and second payment accounts, receive, by the network interface, information regarding a first expense of the customer, and fund the second account with a first portion of the funding amount based on the information regarding the first expense.