We offer H.S.A. accounts have discovered a feature in our core system that can be used to make automatic deposits from the employer to their employees for H.S.A purposes (where both the employer and employees have their accounts at our bank). As of now, we accomplish this via ACH, however we would like to change that process and utilize this feature. Before we make a switch, we want to know if there are any issues we should be aware of? I assume we’ll need a written agreement wherein the employer authorizes us to access their account for this purpose and that they acknowledge they're responsible to notify us when contribution amounts change. Does anyone have any insight into this and/or any sample agreements? Our legal council isnt too familiar with H.S.A. accounts and thus was unable to advise us. Thank you!