For each employee saving under an Employee Capital Plan, the financial institution selected by their employer opens a private personal account in which their savings are accumulated. This institution provides each participant of the Employee Capital Plans scheme with online access to a system where the participants can at any time check the balance of funds in their account and manage these funds. The login details are sent as soon as saving starts. One needs to bear in mind that the process of granting access to the system looks different in every financial institution.