Abstract: Computer-implemented methods and systems are provided for managing a deposit account held by a financial institution. This includes receiving, via a computer network, a request to make a contribution to the deposit account by an electronic payment and interacting with a payment processing center for processing and authorization of the electronic payment. Upon authorization of the electronic payment, the contribution is transferred to the deposit account via a transfer interface that interfaces with the financial institution. In another aspect, a computer readable medium contains instructions for controlling a computing device to perform a method for managing a deposit account held by a financial institution.