Abstract: Disclosed herein are system, method, and computer program product embodiments for reconciliation needed to enable access to accelerated contribution funded accounts (CFAs). An embodiment operates by configuring a management database to store a linked CFA associated with a CFA and an asset-transfer on demand account (ATODA). A transfer processing system of a provider may receive a transfer file from an employer. The transfer processing system may delay transfer reconciliation of the linked CFA until a transferred amount is received. During transfer reconciliation, the transfer processing system may resolve the ATODA using the received transferred amount. Upon resolution of the ATODA, the contribution processing system may concurrently send information to a bank server and a card server to reconcile the respective bank and card accounts with the linked CFA at the provider.