Startup Idea: Banking Software for Transaction Synchronization

Startup idea to develop a banking software that tracks deposits and withdrawals to avoid account overdrawn. It would verify the origin of incoming funds and prioritize them over outgoing payments, especially for recurring transactions. The goal is to provide better timing and prioritization of financial transactions.

Many times I make a deposit into a banking account, and the money is held for a day or so. Meanwhile, direct debits are scheduled. There are times when even though the deposit was made before the debit, that the debit is withdrawn first, causing the account to be overdrawn. I need software for my bank, and for my accounts, that would track the deposits, particularly if they are recurring, to determine that the originating account (the account the money is coming from) is trusted and reliable. Also, tracking the time of the transactions so that the incoming deposit hits first and the outgoing money hits second.