1. A financial messaging apparatus configured to encapsulate a financial message, the apparatus comprising: a network interface configured to receive a financial message generated by a bank; a non-transitory computer readable medium configured to store a rule database, wherein the rule database includes rules specifying actions to be added to financial messages based upon characteristics of the financial messages; a processor configured to: analyze the received financial message to identify at least one characteristic of the received financial message; identify at least one rule in the rule database matching at least one of the at least one identified characteristics of the received financial message; combine at least one action specified by the identified at least one rule with the financial message to form an encapsulated financial message; and identify a user associated with the received financial message; and the network interface further configured to transmit the encapsulated financial message to the identified user.