This document explains the rules for how your Health Savings Account (HSA) works. It covers things like who owns the account (you do), how deposits and withdrawals are handled, and what happens if there are mistakes or problems. It also says that DFS can charge fees for certain services and can change the rules in the future, but they’ll let you know if they do.
It also talks about things like how electronic payments (like direct deposit or wire transfers) work, what happens if someone else is allowed to use your account, and how to report any errors you find on your account statements. The document is meant to protect both you and DFS by making sure everyone understands the rules clearly.