Abstract: Computer readable media, apparatuses, and methods may include analyzing account information for an account with a financial institution, where the account is associated with a first customer of the financial institution, and wherein the account information comprises a plurality of purchases made by the first customer using the account, selecting a subset of marketing offers from a plurality of available marketing offers, based on the plurality of purchases, generating an interactive account statement for the customer, said account statement comprising the account information and the subset of marketing offers, wherein each marketing offer in the subset of marketing offers is hyperlinked in the interactive account statement to additional information corresponding to that offer, and sending the interactive account statement to a client device associated with the customer.

Abstract: Systems and methods of redeeming reward points for cash and depositing the cash to a checking or savings account of a user is presented. In some arrangements, the user will input account information relating to one or more checking or savings accounts. The information may be stored by the system. The user may select to redeem some or all of the reward points in his or her reward account balance as cash. Upon selection of this option, the user may select one or more of the saved accounts to which the funds will be deposited. In some arrangements, the redemption may occur automatically upon occurrence of a triggering event or meeting a predetermined threshold.