Abstract: A financial institution computing system includes a customer account database configured to retrievably store information pertaining to a plurality of financial accounts held by a plurality customers of the financial institution and a processing circuit. The processing circuit is configured to transfer a first amount of funds from a plurality customer financial accounts associated with a plurality of customers a pooling account, wherein the plurality of customers belong to a predetermined pooling group associated with the pooling account, identify a financial account associated with a paying customer, the paying customer having insufficient funds for a payment amount to a third party, and transfer a second amount of funds from the pooling account based on the payment amount to the financial account associated with the paying customer , wherein the paying customer belongs to the predetermined pooling group.

Abstract: A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.