Abstract: A system, method and computer program product for allowing users to set-up a separate stored value account on their transaction instrument to fund expenses. The stored value account, referred to herein as a Universal Rollover Account (URA) system, can be funded by check, an Automated Clearing House (ACH), or by charging another card or transaction instrument. Users and/or card-members will be given access to a web portal to manage their Universal Rollover Accounts, including changing their funding method, adding or withdrawing funds, and changing their configuration such that the URA bucket can come before or after other funding accounts in a payment hierarchy.