Abstract: Embodiments of the invention are directed to a computer-implemented financial inclusion account system and method provided by a financial institution for facilitating payments between system participants, the system participants including account holder service recipients and eligible necessities service providers. The system includes at least one financial inclusion account maintaining funds for an account holder service recipient. The financial inclusion account includes a main account having a main account balance and at least one sub-account having a sub-account balance, the at least one sub-account storing funds for payment to at least one eligible necessities service provider.