Embodiments presented herein describe systems, methods, and products that may maintain separate databases to provide for logical and physical separation of funds maintained in a single account database. The single account database may include a database record containing the entire balance of a user's funds, but systems, methods, and products may split the funds between several, physically separated sub-accounts that have balances related to the entire balance of the account by maintaining separate database records in the separate databases. The systems, methods, and products may receive requests for financial transactions, including credit and debit transactions, and may identify the target sub-accounts to process the requests, wherein the target sub-accounts are identified based on the information contained in the corresponding requests.