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system that (automatically) moves funds to a higher-interest earning account at end of business day
Explanation: Sweep Account
A bank account that automatically transfers funds above (or below) a certain level to a higher-interest earning account at the close of each business day. In a sweep program, a bank's computers analyze customer use of checkable deposits and "sweep" funds into money market deposit accounts. The purpose is to provide the customer with the greatest amount of interest with the minimum amount of personal intervention. That said, sweep accounts were originally devised to get around an old government regulation that prohibited banks from offering interest on commercial checking accounts. http://www.investopedia.com/terms/s/sweepaccount.asp