1. A method of providing a financial account to a user comprising: receiving, by a computer processor over a computer network, a selection from a user requesting a recommendation for a financial account; determining, by a computer processor, based on the selection, a list of most popular financial account terms associated with a service provider comprising a plurality of available financial account terms that are categorized into a plurality of categories; sending, by the computer processor, to the user, the list; receiving, by the computer processor over the computer network, from the user, a selection of one or more of the available financial account terms from the list; and creating, by the computer processor, the financial account based on the user's selection from the list.