A method, system and program product, the method comprising: accessing, one or more electronic databases, comprising: (i) aggregated account information for a plurality of government-backed insured and interest-bearing aggregated deposit accounts held in a plurality of recipient depository institutions, with one or more of the recipient depository institutions with an interest-bearing aggregated deposit account having at least one associated aggregated transaction account having an overdraft facility; and (ii) client account information for each of a plurality of the respective client accounts; obtaining client account transaction information; obtaining a respective net transfer amount for the one or more sub-periods of time for each of one or more of the respective source institutions; for at least one or more of the sub periods of time where the net transfer amount requires a first withdrawal/transfer amount selecting at least one of the recipient depository institutions that has at least one aggregated transaction account with an overdraft facility based at least in part on one or more selection rules; generating first transfer data reflecting a wire or other electronic transfer that uses the overdraft facility; generating second transfer data reflecting withdrawal/transfer by the at least one recipient depository institution of at least one second withdrawal/transfer amount in partial of full settlement of the overdraft; allocating amounts of funds from multiple of the client accounts among multiple of the recipient depository institutions to substantially match the transfer of funds; and updating one or more of the electronic databases.