Banking services; savings account services; internet and online banking services; online banking services accessible by means of downloadable mobile applications; bill payment services; check processing; debit card services; electronic cash transactions; expense tracking and receipt tracking; electronic debit transactions; electronic payment, namely, electronic processing and transmission of bill payment data; electronic transfer of money; financial information provided by electronic means; banking services and account administration for employer-funded benefit plans; custodial services and trustee services for employer-funded benefit plans; providing information in the field of employer-funded benefit plans; third-party benefit administration services, namely, administration of employer-funded benefit plans; administration of employer-funded benefit plans, namely, enrolling participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds, and updating records of expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with reimbursement accounts; providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others; providing employee benefits and/or benefit management services for others which may include but are not limited to, third party administrators, employers, and governmental payers, namely, providing payment processing services and processing electronic payments made through various means which may include but are not limited to, payment cards and ACH for various types of payments; administration of employer-funded benefit plans; and providing educational information in the field of employer-funded benefit plans