Abstract: Methods, devices, and computer readable media for electronic storage and exchange of funds include receiving a user transfer request to transfer a fund amount from a fund register stored on the user fund storage and exchange computing device to a third-party computing device. The fund register is associated with an electronic payment network. Whether the third-party computing device is associated with the electronic payment network is determined. The fund amount is transferred directly to the third-party computing device when the third-party computing device is associated with the electronic payment network to provide an electronic fund exchange.

Abstract: A method for generating a third-party lender overdraft line of credit includes accessing, by an overdraft management computing device, real-time bank account information. An insufficient fund amount is identified based on the real-time bank account information. An overdraft score is generated based on the insufficient fund amount, the real-time bank account information, and a third-party lender rule set established by a third-party lender and stored on the overdraft management computing device. An overdraft approval is provided when the overdraft score is above a threshold provided by the third-party lender and stored on the overdraft management computing device. The overdraft approval is provided without sending confidential user information to the third-party lender and automatically generates the third-party lender overdraft line of credit for the user.