Abstract: This disclosure describes an integrated full service employer and employee system and a method for employers and employees to access accounts on that system. The term “full service” refers to the fact that the employer, employer organizational entities, employees, and authorized third parties are able at various levels of authorization and participation to at least create, access and revise policies, rules, procedures, payroll, benefits, banking, investment, retirement, insurance, merchandising, and information capabilities of the integrated system described herein. The creation, access and revision policies are supported via an integrated privileges and security mechanism on a per-user basis where a user may be a representative of the employer, employer organizational entity, employee, or an authorized third party. Moreover, this system also provides for integration and automation with respect to other systems in order to enable interactions with other product and service providers.