Wells Fargo Bank, N.a.

Susanne Carr

Benjamin Soccorsy

Stanislav Roumiantsev

Larry Tewell

Stephen M Ellis

Abhijit Shetti

Lei Han

Margaret Mangot

Deborah M Ball

Brad J Shoff

Emily Adams

Kara Church

Meley Araya

Justine Sun Dela Cruz

Ben Hopfer

Luther Thie

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.

Interactive banking using multiple checking accounts

A computer-implemented method for initiating online collections that includes determining a current status of an account held by an account holder, determining a real-time financial profile of the account holder using information on the banking institution computer systems and third party information providers and displaying a customized status message based on the account holder's financial profile. The method provides remediation options to the account holder.

Collection system and method

Display screen or portion thereof with graphical user interface

Growing community of inventors

Oakland, CA, United States of America

Susanne Carr