Abstract: The method of opening and managing multiple term deposit products where each product is tied to an individual savings objective and exists within a single term deposit account having a management software interface that is integrated with a financial institution to permit the financial institution to offer and manage multiple term deposit products.

Abstract: A method of withdrawal of funds from a bank account to purchase retail gift cards and/or electronic retail gift codes generating cash rewards to consumer and/or revenue to financial institutions where the funds withdrawn from the bank account are used to purchase a retail gift card or electronic gift code at face value that was originally purchased at a discount generating a surplus in funds. The difference between the face value and discounted purchase price is divided into cash rewards for the consumer and revenue for the financial institution, at a percentage split determined by the financial institution.

Abstract: A method of generating social network posts and tweets based on financial account activity in a goal based financial account where posts and tweets are configurable by the financial account owner. Bank account owners are permitted to configure the message of the posts and tweets, the account activity that generates the notification(s), when the notification(s) is sent to the social network, and which social network site(s) receive the notification(s). Once generated and sent to social network sites, the notification is viewable through the account owner's wall on that social network.

Abstract: A method of marketing related to a saving goal that includes a goal saver program having a management console. The management console permits a financial institution to configure a saving goal account, generate reports related to the savings goal accounts, and send targeted messages through a customer engagement engine based upon selected criteria related to the savings goal information and selected distribution channels.