Abstract: A system for securing accounts and features within such accounts, which may allow user interaction and may provide increased security and usability of accounts to users by providing real-time, flexible, selection of features. Selection of features may be performed remotely. Such features may include the ability to select an overdraft feature in real-time when a need for the overdraft feature is determined to be needed. This may provide the user a degree of control to precisely define the scope of the overdraft feature, thus better securing the use of the user's account.

Abstract: A method for servicing accounts includes receiving a determination from a service provider system indicating cancellation of a service account from the service provider system, deducting a balance from a prepaid card account as a result of the determination indicating cancellation of the service account, and sending the balance to the service provider system.