Abstract: The invention provides a tool kit for a small business owner to manage a plurality of different financial accounts and services and to perform a number of different financial transactions, wherein each of the transactions may involve multiple sub-transactions which occur among different financial service providers. For example, the system provides an integrated package that integrates financial service providers, such as a payroll service provider, a retirement plan service provider, a healthcare service provider or another type of service provider. The system provides one interface to a subscriber and the subscriber can select from the interface a financial transaction to perform, wherein the selected transaction involves a plurality of subtransactions, occurring between the system, and the involved financial service providers.

Abstract: A method is presented to deposit funds into a financial service provider, such as a securities company, via a banking institution. A client first deposits funds into a transfer account at the banking institution using a deposit slip that can include a magnetic ink character reading (MICR) line. The MICR line includes the number associated with the client's account and the number of the transfer account. The service provider uses a software package to accept data from the banking institution informing it of the client's name, account number, deposit size, etc. The banking institution then transfers the funds from the transfer fund to the service provider's clearing firm. This firm, at their convenience, may then transfer the funds to the financial service provider's general ledger account. Three business days after the initial deposit, the service provider finally credits the client's account the amount of the deposited funds.

Abstract: The invention provides a tool kit for a small business owner to manage a plurality of different financial accounts and services and to perform a number of different financial transactions, wherein each of the transactions may involve multiple sub-transactions which occur among different financial service providers. For example, the system provides an integrated package that integrates financial service providers, such as a payroll service provider, a retirement plan service provider, a healthcare service provider or another type of service provider. The system provides one interface to a subscriber and the subscriber can select from the interface a financial transaction to perform, wherein the selected transaction involves a plurality of subtransactions, occurring between the system, and the involved financial service providers.