HSAs

Who knew Johnny would leave his favorite toy car at the bottom of the stairs? You do…now. Life happens, and sometimes so do medical bills.  With a Health Savings Account (HSA) you can be prepared and plan ahead. So that emergency is only stressful because of the crutches you have to live with for the next three weeks, not the bills.

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You know you want them
With a Health Savings Account (HSA) you can save tax-free for qualified medical expenses. Designed to work with a high deductible health plan, you can regularly set aside money in an HSA, so it's there when you need it. Plus, you own it, so it's not a use it or lose it thing.
  • No setup or annual fees
  • Reduce your income tax*
  • Earn greater dividends than regular savings
  • $500 minimum balance to earn dividends
  • Dividends compound monthly
  • Withdrawals are tax free when used for qualified medical expenses**
  • Money rolls over year-to-year automatically
  • No "use it or lose it" policy
  • HSA is owned by you, not employer
  • Easy withdrawal access by check, debit card, online or in a branch
  • $5 minimum deposit to open



*Direct deposit from your paycheck will reduce your taxable earnings. If contributions are made after income was taxed, the amount deposited may be tax deductible. Consult a tax advisor.
**Withdrawals for non-qualified medical expenses are subject to income tax and a 10% penalty. The 10% penalty is waived for persons 65 and over or who have become disabled.