A method for alternative methods of processing customer deposit offers through an automated insured deposit management system by placement of investor funds with and through one or more SPE's in deposits accounts at not less than the minimum number of funded issuers required to meet regulatory guidelines, in exchange for issuance by the SPE of an insured deposit note as evidence of the amount of funds loaned to the SPE and secured by a pledge of insured deposits, including an optional allocation of a portion of interest earned on the funds to charities, and with a record of the process and allocations being stored in connection with the SPEs and investors.