Automatically routing network requests between computer subsystems

A method comprising:

• establishing, by one or more processors of a computer system associated with a service provider, an online account for a user;
• linking, by the one or more processors, the online account to a deposit account of the user with the service provider, the online account being usable to perform account functions related to the deposit account, wherein the account functions include viewing a balance of the deposit account;
• determining, by the one or more processors, that the user is eligible for a financial service based on usage data relating to the deposit account of the user, the financial service being provided separately by the service provider from the deposit account;
• based on determining that the deposit account is eligible for the financial service:
• providing, by the one or more processors and through a graphical user interface when the user is logged into the online account, a notification to the user that the user is eligible for the financial service;
• and
• in response to receiving an approval of the financial service from the user through the graphical user interface, activating, by the one or more processors, the financial service for the user by communicating with a service subsystem;
• and
• subsequent to activating the financial service for the user:
• receiving, by the one or more processors, a network request associated with the user;
• determining, by the one or more processors, that the network request has a characteristic;
• and
• based on determining that the network request has the characteristic, forwarding, by the one or more processors, the network request to the service subsystem, the service subsystem being configured complete the network request using the financial service rather than the deposit account.

A non-transitory computer-readable medium comprising program code that is executable by one or more processors of a computer system associated with a service provider for causing the one or more processors to:

• establish an online account for a user;
• link the online account to a deposit account of the user with the service provider, the online account being usable to perform account functions related to the deposit account, wherein the account functions include viewing a balance of the deposit account;
• determine that the user is eligible for a financial service based on usage data relating to the deposit account of the user, the financial service being provided separately by the service provider from the deposit account;
• based on determining that the deposit account is eligible for the financial service:
• provide a notification to the user, through a graphical user interface when the user is logged into the online account, that the user is eligible for the financial service;
• and
• in response to receiving an approval of the financial service from the user through the graphical user interface, activate the financial service for the user by communicating with a service subsystem;
• and
• subsequent to activating the financial service for the user:
• receive a network request associated with the user;
• determine that the network request has a characteristic;
• and
• based on determining that the network request has the characteristic, forward the network request to the service subsystem, the service subsystem being configured complete the network request using the financial service rather than the deposit account.