Abstract: An allocation of funds to multiple accounts is determined. Information about financial transactions is received from multiple sources, and the information is aggregated to determine a total amount of allocatable funds. The allocatable funds include posted interest either before or after a term deposit payment date. Respective deposit rules are determined for each of the multiple accounts. The multiple accounts include sub-accounts at the same bank, and the deposit rules include a limit based on FDIC insurance. The allocation of the allocatable funds to the multiple accounts is determined based on a priority hierarchy set to the multiple accounts. Funds are allocated such that each account or sub-account in the priority hierarchy is filled to its respective limit according to the respective deposit rules until the total amount of allocatable funds is allocated.