Each interest credit is split across your Funds by each one's average daily balance over the period.

Set-aside money stays locked in its Fund until a release is prepared, authorized and, if required, approved.

Money moves between Funds with an allocation or a correction. It stays in the savings account the whole time.

Primary Admins and Admins create, rename and archive Funds. Bookkeepers can propose a new one.

Funds split one savings account into purposes, such as operating money, board reserves and donor-restricted gifts, without opening new accounts.