System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts

A system, comprising:

• one or more computers, programmed with computer-readable code, to perform, when executed, the following steps:
• (A) accessing, using one or more computers, one or more databases comprising:
• (1) aggregated deposit account information for a plurality of Federal Deposit Insurance Corporation (FDIC) insured and interest-bearing aggregated deposit accounts held in a plurality of depository institutions participating in a program, each of the respective depository institutions holding one or more of the aggregated deposit accounts, each of the aggregated deposit accounts holding funds of a plurality of client accounts, wherein the aggregated deposit account information comprises a respective balance of funds held in each of the respective aggregated deposit accounts;
• and
• (2) client account information for the respective client accounts, the client account information for a respective one of the client accounts comprising a respective balance of funds of the respective client account held in each of one or more of the FDIC-insured and interest-bearing aggregated deposit accounts holding funds of the respective client account;
• and
• (B) obtaining, using the one or more computers, transfer data associated with a source institution comprising an amount of funds to at least one of deposit/transfer to or withdraw/transfer from one or more of the aggregated deposit accounts in the program;
• (C) receiving a change in at least one of a minimum cap or a maximum cap for one of the depository institutions based at least in part on data that a current capital usage level or a projected capital usage level has reached a predetermined level for the one depository institution, and storing the minimum cap or the maximum cap that was changed in the one or more databases;
• (D) allocating at least one of, an amount to be deposited/transferred to one of the depository institutions or among multiple of the depository institutions, or an amount to be withdrawn/transferred from one of the depository institutions or portions of the amount from more than one of the depository institutions, comprising:
• (1) selecting, using the one or more computers, one or more aggregated deposit accounts held in the one depository institution to which to deposit/transfer or to withdraw/transfer funds, while avoiding withdrawing funds for a respective sub-period of time from each of one or more of other aggregated deposit accounts held in one or more of the other depository institutions, based at least in part on at least one of the minimum cap the maximum cap for the one depository institution;
• (2) allocating one or more amounts of funds, using the one or more computers, to one or more of the aggregated deposit accounts held in one or more other of the depository institutions based at least in part on the transfer data and the one depository institution selected to receive a deposit/transfer of funds or from which to withdraw/transfer funds and at least one of the minimum cap or maximum cap for the one depository institution;
• (E) generating and communicating data for one or more instructions, using the one or more computers and a network communication link, to transfer funds to or from the one depository institution based at least in part on the allocating step;
• and
• (F) updating, using the one or more computers, the one or more databases with information based at least in part on the allocating step.