Abstract: An account resource tracking system and method of tracking account resources are provided. The system comprises a processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises detecting an increase in resources associated with a first account, allocating a first portion of the increase in resources to a second account, determining a maximum resource tolerance amount of a remainder of the increase in resources to allocate to the first account, reallocating the remainder of the remainder of the increase in resources up to the maximum resource tolerance amount into the first account, determining an excess amount of the remainder that is over the maximum resource tolerance, and allocating the excess amount to the second account.