Wells Fargo & Company, a long-standing bank-holding company founded in the year 1852, nowadays offers online services in the field of Health Benefits (known as the “Wells Fargo Benefits Service”, or WFHBS), flexible spending accounts (FSAs), Health reimbursement arrangements (HRAs), and transportation management accounts (TMAs) for companies all across the nation. As a result, Wells Fargo caters to those who have difficulty meeting medical expenses, with plans that reduce taxes. Customers benefit from an instant account access that enables them to consult a list of covered expenses online, and a toll free line for customer service. Likewise, there are flexible options for reimbursements and payments. Monthly plan statements are issued to each company, detailing total claims and reimbursements; and the companies that use a flexible banking account service receive a report of unused funds as each year ends. The benefits for the participants of each service are clearly spelled out in the pertinent page, which also explains each service in great detail.