Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last six business days of month.