Software as a service (SAAS) services featuring software for use by community associations to make and receive electronic funds transfer, ACH, credit card, debit card, electronic check, and electronic payments; software as a service (SAAS) services featuring software for homeowners associations to manage payment of fees and expenses by homeowners association members; providing online non-downloadable software for receipt of electronic funds transfer, ACH, credit card, debit card, electronic check, and electronic payments; providing online non-downloadable software for electronic remote check deposit services