Abstract: In a typical scenario, a bank provides the following on-line service to their customers (users), implemented as a software program in a server associated with the bank. The server is able to access allocation files that are programmable via the internet by a user. The user specifies rules in the allocation files identifying one or more percentages associated with respective ones of the user's secondary accounts to be applied to future deposits to the user's primary account (such as a checking account). Examples of secondary accounts may include a tax account, a retirement account, etc. The user also specifies one or more priorities associated with the respective secondary accounts. When a new deposit is made to the primary account, or on a pre-set periodic basis, the rules are automatically applied by the server to transfer the pre-set percentages of the deposits to the respective secondary accounts in the priority order.