System, method, and computer program product for saving and investing through use of transaction cards

A method for depositing funds into a deposit account through use of a transaction card, comprising:

• (a) associating a transaction account of the transaction card with the deposit account;
• (b) establishing an amount of funds to be deposited from the transaction account into the deposit account;
• and
• (c) automatically depositing the amount of funds at an end of each billing period of the transaction account.

A method for depositing funds into a deposit account through use of a transaction card, comprising:

• (a) associating a transaction account of the transaction card with the deposit account;
• (b) calculating a percentage of charges that were charged to the transaction account during a billing period as an amount of funds to be deposited from the transaction account into the deposit account;
• and
• (c) automatically depositing the amount of funds at an end of the billing period of the transaction account.

A method for depositing funds into a deposit account through use of a transaction card, comprising:

• (a) associating a transaction account of the transaction card with the deposit account;
• (b) establishing an amount of funds to be deposited from the transaction account into the deposit account;
• (c) determining whether a cardholder of the transaction card has paid a threshold amount on a current monthly bill;
• and
• (d) when in step (c) it is determined the payment is above the threshold amount, depositing the amount of funds in the deposit account.

A method for depositing funds into a deposit account through use of a transaction card, said transaction card being associated with a transaction account in which billing statements are sent to a holder of said transaction card each billing cycle, comprising the steps of:

• (a) associating said transaction account with said deposit account;
• (b) establishing a savings amount to be deposited into said deposit account at least once per billing cycle;
• (c) submitting, at least once per billing cycle, a mandatory charge to said transaction account, wherein a record of charge is created in the amount of said savings amount;
• and
• (d) depositing, at least once per billing cycle, said savings amount into said deposit account;
• wherein said record of charge in the amount of said savings amount is independent of any transactions occurring in said transaction account during the billing cycle;
• and
• wherein said savings amount is available to said holder of said transaction card prior to receiving a billing statement for the billing cycle.

A method for depositing funds into a deposit account through use of a transaction card, comprising:

• (a) associating a transaction account of the transaction card with the deposit account;
• (b) using a percentage of monthly charges or a predetermined amount as an amount of funds to be deposited by a transaction card account company, which provides the transaction card, into the deposit account;
• (c) having a holder of the transaction card establish an amount of funds to be deposited from the transaction account into the deposit account;
• (d) establishing a number of times the deposits will be made;
• (e) establishing a time duration between the deposits when more than one deposit will be made;
• (f) establishing an event that initiates at least a first one of the deposits;
• and
• (g) depositing the amount of funds from the transaction card account company based on step (b) and the transaction card account based on step (c) into the deposit account based on steps (d)-(f).