This invention provides methods and system for facilitating funding, disbursing, and accessing consumer tax preferential accounts wherein funding or disbursing is related to consumers POS transactions. Novel network computer systems and methods of their include a POS CS and a central CS. The central CS receives consumer purchase transaction data records from the POS CS. The central CS stores consumer data that may include consumer purchase transaction data records, sponsor accounts including at least one HSA sponsor account, and HSA accounts. The central CS applies funding and/or disbursing criteria to fund and/or disburse funds based upon consumer data records.