Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account

Non-transitory computer memory encoded with computer program on a first computer being associated with a financial institution to thereby define a financial institution computer configured to control access to a plurality of intermediary accounts associated with the financial institution, receive a plurality of electronic deposits from a plurality of depository institution computers through an automated clearing house network to define a plurality of automatic deposits, and to communicate with a plurality of second computers associated with a plurality of prepaid card processors to thereby define a plurality of prepaid card processor computers each being configured to control access to a plurality of prepaid card user accounts, the computer program operable to provide prioritize payments directly from one or more of the plurality of automatic deposits prior to being made available to one or more enrollees enrolled for prioritize payments and comprising a set of instructions that when executed by the financial institution computer cause the financial institution computer to perform the operations of:

• creating one or more of a plurality of intermediary accounts for each of a plurality of enrollees enrolled in prioritize payments with the financial institution, each of the intermediary accounts being inaccessible by the plurality of enrollees and adapted to receive funds for a benefit of one or more of the plurality of enrollees, debits from funds received by one or more of the intermediary accounts being controlled by the financial institution;
• identifying one or more of the plurality of enrollees with one or more account identifiers listed in one or more received incoming ACH files, the one or more incoming ACH file being received from one or more of the plurality of depository institution computers and associated with one or more of a plurality of automatic deposits;
• determining, responsive to identifying the one or more of the plurality of enrollees with the one or more account identifiers, a value of one or more unfilled pre-authorized payment requests associated with the one or more of the plurality of enrollees with the one or more account identifiers to define one or more prioritize payments, the one or more unfilled pre-authorized requests being made by one or more select creditors,
• generating the one or more prioritize payments from one or more of the plurality intermediary accounts with the one or more account identifiers to the one or more select creditors responsive to determining the value of the one or more prioritize payments, the one or more prioritize payments being directly deducted from the one or more of the plurality of automatic deposits, and
• generating a payment from the one or more of the plurality intermediary accounts to one or more of the plurality of prepaid card user accounts for the benefit of the one or more of the plurality of enrollees, a value of the payment being a value of the one or more of the plurality of automatic deposits less the value of the one or more prioritize payments to thereby define one or more sweep payments, the one or more of the plurality of enrollees only having access to one or more of the plurality of the automatic deposits less the one or more prioritize payments.

A computer-implemented method to be performed by a first computer being associated with a first financial institution to thereby define a first financial institution computer configured to control access to a plurality of intermediary accounts associated with the financial institution, receive a plurality of electronic deposits from a plurality of depository institution computers through an automated clearing house network to define a plurality of automatic deposits, and to communicate with a plurality of second computers associated with a plurality of second financial institutions to thereby define a plurality of second financial institution computers each being configured to control access to a plurality of customer user accounts, the computer-implemented method to perform a process of providing prioritize payments directly from one or more of the plurality of automatic deposits prior to being made available to one or more enrollees enrolled for prioritize payments, the method comprising:

• creating, by a computer associated with a first financial institution to define a first financial institution computer, one or more of a plurality of intermediary accounts for each of a plurality of enrollees enrolled in prioritize payments with the financial institution, each of the intermediary accounts being inaccessible by the plurality of enrollees and adapted to receive funds for a benefit of one or more of the plurality of enrollees, debits from funds received by one or more of the intermediary accounts are controlled by the financial institution;
• identifying, by the first financial institution computer, one or more of the plurality of enrollees with one or more account identifiers listed in one or more received incoming ACH files, the one or more incoming ACH file being received from one or more of the plurality of depository institution computers and associated with one or more of a plurality of automatic deposits;
• determining, by the financial institution computer responsive to identifying the one or more of the plurality of enrollees with the one or more account identifiers, a value of one or more unfilled pre-authorized payment requests associated with the one or more of the plurality of enrollees with the one or more account identifiers to define one or more prioritize payments, the one or more unfilled pre-authorized requests being made by one or more select creditors,
• generating, by the financial institution computer, the one or more prioritize payments from one or more of the plurality intermediary accounts with the one or more account identifiers to the one or more select creditors responsive to determining the value of the one or more prioritize payments, the one or more prioritize payments being directly deducted from the one or more of the plurality of automatic deposits, and
• generating, by the first financial institution computer, a payment from the one or more of the plurality intermediary accounts to one or more of the plurality of prepaid card user accounts for the benefit of the one or more of the plurality of enrollees, a value of the payment being a value of the one or more of the plurality of automatic deposits less the value of the one or more prioritize payments to thereby define one or more sweep payments, the one or more of the plurality of enrollees only having access to one or more of the plurality of the automatic deposits less the one or more prioritize payments.