A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account (102) that includes a plurality of account components, including a checking component, a savings component, and an investment component. The system (104) includes software engines operated on specially programmed general purpose computers. The engines are sub-systems that generate input and drive another sub-system or the product processors. The overall function of the engines is to, among other things, allow pricing to be determined based on a customer's total individual or household (100) relationship to the financial institution. The preferred system includes a rate engine, a pricing engine, a linkage engine, a balance engine, and a cycle engine.