INTELLIGENT ACCOUNT SELECTION FOR ELECTRONIC BILL PAYMENT

Systems, method and articles of manufacture for identifying an account of an account holder, user or payor to be utilized for an electronic bill payment to a payee. An online bill payment system or separate program receives account data of the payor from payor accounts at financial institution that will process the electronic bill payment and from another financial institution at which the payor has an account. Data of accounts hosted by the other financial institution is received from a financial management system. Data such as account balances and transactions is analyzed to determine estimated balances of the accounts on a payment data and to generate account rankings or scores. Account selection is based at least in part upon the scores, and the selected account is presented to the payor and may then be used for the electronic bill payment, or the payor may select a different account.