1. A method of opening a single integrated account for a new customer in a single-session comprising the steps of: receiving customer information from a remote terminal from the new customer; building a database entry corresponding to the new customer based on the customer information; performing a needs analysis based on the customer information; recommending an account based on the needs analysis and customer information; receiving a customer acceptance of the recommended account; and updating the database entry for the new customer to show the customer's acceptance of the recommended account.