Abstract: A method, system and program product, the method comprising: accessing in the performance of steps databases, comprising: aggregated deposit account information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts in first plurality of banks; client account information; accessing first client transaction data; determining total amounts of funds for a second plurality of banks; determining a set of client accounts having small balances; allocating funds of client accounts among the second plurality of the banks to match the respective total amounts set for the second plurality of banks, the allocating comprising allocating the small balance client accounts to force a distribution of respective of the client accounts; determining transfer information for funds from the one or more of the aggregated deposit accounts; receiving second transaction files; reallocating funds of client accounts among to match the respective total amounts set for the second plurality of the banks.