diff --git a/server/AyaNova/Controllers/ServiceBankController.cs b/server/AyaNova/Controllers/ServiceBankController.cs
index f5c85072..e1f022b0 100644
--- a/server/AyaNova/Controllers/ServiceBankController.cs
+++ b/server/AyaNova/Controllers/ServiceBankController.cs
@@ -44,7 +44,7 @@ namespace AyaNova.Api.Controllers
         /// <param name="apiVersion">From route path</param>
         /// <returns></returns>
         [HttpPost]
-        public async Task<IActionResult> PostServiceBank([FromBody] ServiceBank newObject, ApiVersion apiVersion)
+        public async Task<IActionResult> PostServiceBank([FromBody] dtServiceBank newObject, ApiVersion apiVersion)
         {
             if (!serverState.IsOpen)
                 return StatusCode(503, new ApiErrorResponse(serverState.ApiErrorCode, null, serverState.Reason));
diff --git a/server/AyaNova/biz/ServiceBankBiz.cs b/server/AyaNova/biz/ServiceBankBiz.cs
index 2d7b4b22..74352de1 100644
--- a/server/AyaNova/biz/ServiceBankBiz.cs
+++ b/server/AyaNova/biz/ServiceBankBiz.cs
@@ -41,19 +41,46 @@ namespace AyaNova.Biz
         ////////////////////////////////////////////////////////////////////////////////////////////////
         //CREATE   
         //
-        internal async Task<ServiceBank> CreateAsync(ServiceBank newObject)
+        internal async Task<ServiceBank> CreateAsync(dtServiceBank newDtObject)
         {
-            await ValidateAsync(newObject);
-            if (HasErrors)
-                return null;
-            else
+            using (var transaction = await ct.Database.BeginTransactionAsync())
             {
-                await ct.ServiceBank.AddAsync(newObject);
-                await ct.SaveChangesAsync();
-                await EventLogProcessor.LogEventToDatabaseAsync(new Event(UserId, newObject.Id, BizType, AyaEvent.Created), ct);
-                await SearchIndexAsync(newObject, true);
-                await HandlePotentialNotificationEvent(AyaEvent.Created, newObject);
-                return newObject;
+                //get the last record 
+                var LastEntry = await ct.ServiceBank.OrderByDescending(m => m.EntryDate).SingleOrDefaultAsync(m => m.ObjectId == newDtObject.ObjectId && m.ObjectType == newDtObject.ObjectType);
+                ServiceBank newObject = new ServiceBank();
+                newObject.Name = newDtObject.Name;
+                newObject.EntryDate = DateTime.UtcNow;
+                newObject.ObjectId = newDtObject.ObjectId;
+                newObject.ObjectType = newDtObject.ObjectType;
+                newObject.SourceId = newDtObject.SourceId;
+                newObject.SourceType = newDtObject.SourceType;
+                newObject.Incidents = newDtObject.Incidents;
+                newObject.Currency = newDtObject.Currency;
+                newObject.Hours = newDtObject.Hours;
+
+                if (LastEntry != null)
+                {
+                    newObject.LastEntryDate = LastEntry.EntryDate;
+                    newObject.LastCurrencyBalance = LastEntry.CurrencyBalance;
+                    newObject.LastHoursBalance = LastEntry.HoursBalance;
+                    newObject.LastIncidentsBalance = LastEntry.IncidentsBalance;
+                    newObject.HoursBalance = LastEntry.HoursBalance + newObject.Hours;
+                    newObject.IncidentsBalance = LastEntry.IncidentsBalance + newObject.Incidents;
+                    newObject.CurrencyBalance = LastEntry.CurrencyBalance + newObject.Currency;
+                }
+
+                await ValidateAsync(newObject);
+                if (HasErrors)
+                    return null;
+                else
+                {
+                    await ct.ServiceBank.AddAsync(newObject);
+                    await ct.SaveChangesAsync();
+                    await EventLogProcessor.LogEventToDatabaseAsync(new Event(UserId, newObject.Id, BizType, AyaEvent.Created), ct);
+                    await SearchIndexAsync(newObject, true);
+                    await HandlePotentialNotificationEvent(AyaEvent.Created, newObject);
+                    return newObject;
+                }
             }
         }
 
@@ -70,7 +97,16 @@ namespace AyaNova.Biz
             return ret;
         }
 
+        ////////////////////////////////////////////////////////////////////////////////////////////////
+        //GET LAST
+        //     
+        internal async Task<ServiceBank> GetLastForObjectAsync(AyaType objectType, long objectId)
+        {
 
+            var ret = await ct.ServiceBank.OrderByDescending(m => m.EntryDate).SingleOrDefaultAsync(m => m.ObjectId == objectId && m.ObjectType == objectType);
+
+            return ret;
+        }
 
         ////////////////////////////////////////////////////////////////////////////////////////////////
         //SEARCH
diff --git a/server/AyaNova/models/ServiceBank.cs b/server/AyaNova/models/ServiceBank.cs
index b249673c..ca92bfdd 100644
--- a/server/AyaNova/models/ServiceBank.cs
+++ b/server/AyaNova/models/ServiceBank.cs
@@ -20,7 +20,7 @@ namespace AyaNova.Models
         [Required]
         public string Name { get; set; }
         [Required]
-        public DateTime EntryDate { get; set; }        
+        public DateTime EntryDate { get; set; }
         public DateTime? LastEntryDate { get; set; }
         [Required]
         public long ObjectId { get; set; }
@@ -33,17 +33,17 @@ namespace AyaNova.Models
         [Required]
         public decimal Incidents { get; set; }
         [Required]
-        public decimal IncidentsBalance { get; set; }     
+        public decimal IncidentsBalance { get; set; }
         public decimal? LastIncidentsBalance { get; set; }
         [Required]
         public decimal Currency { get; set; }
         [Required]
-        public decimal CurrencyBalance { get; set; }      
+        public decimal CurrencyBalance { get; set; }
         public decimal? LastCurrencyBalance { get; set; }
         [Required]
         public decimal Hours { get; set; }
         [Required]
-        public decimal HoursBalance { get; set; }  
+        public decimal HoursBalance { get; set; }
         public decimal? LastHoursBalance { get; set; }
 
 
@@ -57,6 +57,38 @@ namespace AyaNova.Models
 
     }//eoc
 
+
+
+
+    //Data transfer version used by UI to make new entry or consume banked time
+    //this way the client doesn't need to bother with balances or last entries and such    
+    public class dtServiceBank
+    {
+        public long Id { get; set; }
+        public uint Concurrency { get; set; }
+
+        [Required]
+        public string Name { get; set; }
+        [Required]
+        public long ObjectId { get; set; }
+        [Required]
+        public AyaType ObjectType { get; set; }
+        [Required]
+        public long SourceId { get; set; }
+        [Required]
+        public AyaType SourceType { get; set; }
+        [Required]
+        public decimal Incidents { get; set; }
+        [Required]
+        public decimal Currency { get; set; }
+        [Required]
+        public decimal Hours { get; set; }
+
+
+
+    }//eoc
+
+
 }//eons
 /*
 CREATE TABLE [dbo].[ASERVICEBANK](