INTEGRATED DEPOSIT ACCOUNT FEE SYSTEM AND METHOD

摘要

Systems and methods are described for managing deposit accounts whereby deposit account customers can receive fee credits for performing certain banking activities and such credits may be applied to their present period deposit account management fee or may be accrued and applied to subsequent period deposit account management fees. Accrued credits also may be applied to other subsequent period service fees or, after a certain period of time, may be converted to alternative forms of value for the customer.