System and method for funding an account and consolidating financial relationships

A computer-implemented method for leveraging a financial relationship between a customer and a financial institution, comprising:

• establishing a financial account at the financial institution for the benefit of the customer;
• adding value to the financial account at predetermined intervals, wherein the value is comprised of immediate access value and vested access value, and further wherein the immediate access value is added to the first financial account by the customer in an amount determined by the customer and at the direction of the customer;
• using the computer to calculate the vested access value by
• (a) determining a number of individual components comprising the financial relationship;
• (b) calculating an individual value for each of the individual components at the end of a set period of time,
• (c) multiplying the determined individual value of each of the individual components by a pre-selected percentage to obtain a vested access value;
• and
• adding the vested access value to the financial account, wherein the immediate access value is retrievable by the customer from the financial account without restriction, but the vested access value is only retrievable by the customer after a predetermined period of time.