1. A method for performing a monetary transaction across multiple source accounts, comprising the steps of: communicating with at least two source accounts to access funds contained therein; selecting at least two source accounts to be accessed and debited to perform the monetary transaction; determining an amount of funds to be withdrawn from the at least two source accounts, which when summed, equal the total required to perform the monetary transaction; determining whether adequate funds are available in the source accounts to perform the monetary transaction; approving the monetary transaction; transferring funds from the at least two source accounts to a single destination account to complete the monetary transaction.