RSS me my balances!

We’re working on an RSS mechanism to distribute balances and transactions to members. We are currently building it and beta testing it with employees but we’re kinda stuck on exactly how the balances should be delivered.  

Option 1: A feed for each account.  The title of the feed is “Checking – Balance”, thus every time the balance changes it’ll show up new in the feed reader.  The content of the feed would contain the last X transactions with Y days.  Algebra, I know.  For example the most recent 10 transaction in the last 30 days.

Option 2: One feed for transactions with each addtional transaction becoming a new entry and a second feed that displays balance.

Which would you rather see, #1 or #2?  Are we missing a whole other way to do it that could be better?