1. A system to provide a unified graphical presentation of disparate data sources to a user, the system comprising: a user access system to provide to one or more users access to present account data and to receive instructions for the manipulation of funds in one or more accounts of the one or more users; a bill-pay engine, the bill-pay engine including: an internal data source access engine, the internal data source access engine having a plurality of internal data source software objects, each of which configured to provide access to data maintained by an internal system; an external data source access engine, the external data source access engine having at least one external data source software object configured to provide access to data maintained by an external system; an integration engine to receive internal data from the internal data source access engine and external data the external data source access engine and to combine the internal data and the external data into a single unified data set; and a user interface module to receive the single unified data set and format it to be displayed graphically to a user, the user interface module to additionally send the formatted single unified data set to the web access gateway for further transmission to a computing device of the one or more users; a plurality of internal data stores, each of which accessible by at least one of the internal data source software objects; and a payment module configured to transmit instructions to the internal and external systems through the internal data source software object and the external data source software object, respectively, the instructions intended to generate a physical check payable from at least one of the internal and external systems and payable to at least one other of the internal and external systems.