Hello @Loly12313 !
Child care is certainly expensive, and having a payflex account does help with that expense. However, the IRS limits the amount of child care paid to $3000 per child in order to be eligible for the Child and Dependent Care Credit. So if you are paying $10000 per child, you are limited to taking only $3000. If you're using funds from a DCB account to cover childcare or dependent care, you cannot claim the credit for those same expenses. Since DCBs offer up to $5000 of pretax dollars, this is still a better deal for you tax wise.
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