Banking services; checking account services; financial services, namely, providing an account-based automated debt optimization program that applies deposited funds to reduce outstanding balances beginning with highest-interest obligations and reallocates funds from lower-interest obligations to maintain liquidity for transactions; financial information and advisory services provided via a real-time dashboard featuring interest savings, payoff pacing, projected debt-free dates, and alerts; provision of financial analysis and scenario modeling related to debt repayment and cash flow

Software as a service (SaaS) featuring software for banking account management and real-time financial optimization, namely, automating daily sweeps of deposited funds to higher-interest debts, managing withdrawals from lower-interest obligations to maintain spending liquidity, and providing a real-time dashboard with analytics, alerts, and simulation tools for debt and cash-flow management