Abstract: According to one embodiment, a method to automatically transfer funds between accounts is provided. The method may include: linking a checking account and a savings account; establishing a maintained balance limit for the checking account; querying the checking account to determine a checking account balance; comparing the checking account balance to the maintained balance limit; and, if the checking account balance exceeds the maintained balance limit, automatically transferring an excess balance to the savings account. According to another embodiment a system for automatically transferring funds is provided. The system may include an account establishment module, an account funds module and an account management module. These module may be able to perform various steps of the method.