Daylight Overdraft Tracking

A computer-readable storage medium storing computer-executable instructions that cause a processor to perform a method of calculating daylight overdraft fees charged to a user associated with a plurality of deposit accounts, comprising:

• receiving data from a plurality of deposit platforms, the data comprising a deposit account amount, a corresponding time, and a unique identifier associated with the deposit account;
• aggregating the deposit account amounts according to the unique identifier associated with each deposit account;
• calculating a daylight overdraft charge for the deposit accounts associated with the unique identifier on a predetermined interval;
• and
• displaying a billing statement to a user through a web interface, the billing statement comprising an summary of an aggregate account balance of all deposit accounts associated with the unique identifier.

An apparatus, comprising:

• a communication connection configured to receive data from a plurality of deposit platforms, the data comprising a deposit account amount, a corresponding time, and a unique identifier associated with the deposit account, where the unique identifier is not a routing number.
• a memory configured to store the data received from the plurality of deposit platforms, the memory comprising non-volatile memory for storing computer-executable instructions;
• and
• a processor configured to execute the computer-executable instructions to perform a method comprising:
• receiving the data from the plurality of deposit platforms;
• aggregating the deposit account amounts according to the unique identifier associated with each deposit account;
• calculating a daylight overdraft charge for the deposit accounts associated with the unique identifier on a predetermined interval;
• generating a billing statement for a user designated for the unique identifier.