Abstract: A system and method is provided in the form of an application that includes means for permitting a user to establish a user account via a registration process, where the user account is configured to be dynamically funded at select or periodic intervals by the user from one of a number of possible funding sources. The system and method further includes means for associating one or more separate accounts with the registered user account, and also means for directing a transfer of money to an outside account either directly from the registered user account or directly from one or more of the separate accounts, permitting the user to by-pass the registered user account if so desired.