Systems and methods relate to providing subscription accounts. A method includes receiving a request from a customer to open a subscription account, creating the subscription account for the customer, and deducting a subscription fee from the subscription account. The method also includes determining a benefit for the customer. The benefit is offered by a third-party vendor in exchange for a benefit fee. The method further includes reimbursing the benefit fee to the subscription account for the customer. The method additionally includes gathering financial information associated with the customer, analyzing the financial information to identify positive financial behavior of the customer, determining that the positive financial behavior meets a threshold, and offering the customer a reward based on the positive financial behavior meeting the threshold.
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