Integrated utility distribution and automated billing

A computing system for controlling provision of utility, the computing system associated with a financial institution, the computing system includes a financial database that stores customer financial information concerning a plurality of account holders for accounts with the financial institution and a utility database that stores associations between a set of utility meters associated with a plurality of customers of a utility company and the plurality of account holders for the accounts with the financial institution, the plurality of account holders includes a user associated with a utility meter of the set of utility meters, the computing system comprising a processor configured to:

• verify a negative account balance associated with the user is below an enrollment threshold, the negative account balance comprising a balance owed to the financial institution from the account of the user with the financial institution;
• in response to determining that the negative account balance is below the enrollment threshold, enroll the user into a utility billing and payment program offered by the financial institution;
• in response to enrolling the user into the utility billing and payment program, determine that a negative utility account balance of the negative account balance exceeds a balance threshold permitted past due amount, the negative utility account balance associated with the utility meter;
• and
• in response to determining that the negative utility account balance exceeds the balance threshold, send a stop signal to the utility meter, the stop signal instructing the utility meter to cut off the provision of the utility to a property serviced by the utility meter.

A non-transitory computer-readable medium having computer-executable instructions embodied therein that, when executed by a processor of a computing system associated with a financial institution, cause the computing system to control provision of utility, the computing system includes a financial database that stores customer financial information concerning a plurality of account holders for accounts with the financial institution and a utility database that stores associations between a set of utility meters associated with a plurality of customers of a utility company and the plurality of account holders for the accounts with the financial institution, the plurality of account holders includes a user associated with a utility meter of the set of utility meters, the processor is caused to:

• verify a negative account balance associated with the user is below an enrollment threshold, the negative account balance comprising a balance owed to the financial institution from the account of the user with the financial institution;
• in response to determining that the negative account balance is below the enrollment threshold, enroll the user into a utility billing and payment program offered by the financial institution;
• in response to enrolling the user into the utility billing and payment program, determine that a negative utility account balance of the negative account balance exceeds a balance threshold permitted past due amount, the negative utility account balance associated with the utility meter;
• and
• in response to determining that the negative utility account balance exceeds the balance threshold, send a stop signal to the utility meter, the stop signal instructing the utility meter to cut off the provision of the utility to a property serviced by the utility meter.