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Health Savings Accounts

Medical bills – both planned and unplanned – can add up quickly. Make your money work harder for you by using pre-tax dollars to pay those expenses.


Spend pre-tax dollars to pay for medical expenses


Open an account with just $5

(View Rates)


Take full advantage of annual contribution limits1: up to $3,850 for individuals and $7,750 for families

  • 1 High Deductible Health Plan deductibles and contribution limits are revised each year to reflect cost-of-living increases. Contributions for a particular tax year can be made as late as April 15 of the following year. In addition to the standard HSA contribution limits, if you have attained age 55 before the close of a taxable year, you may contribute an additional amount known as a “catch-up contribution." Eligible individuals may make HSA catch-up contributions of up to $1,000 annually. For eligible individuals who are married and have family coverage, each spouse is an eligible individual and may make a catch-up contribution to his or her own HSA.

With medical costs continually rising, Health Savings Accounts (HSAs) help you pay those bills with pre-tax dollars – so you get even more out of your money.Your unused HSA funds can grow each year, which helps you save for future medical expenses.

Here’s how it works.

When you open a Health Savings Account, we set up two accounts for you: HSA savings and HSA checking. When you need to pay an eligible bill, you simply write a check from your HSA account or pay with your debit card. We transfer funds from your HSA savings account to cover that amount.

Features & benefits

  • Tax-deferred investment earnings
  • Free initial order of checks
  • Your dollars remain tax free – as long as you’re paying for qualified medical expenses
  • Annual service fee
  • Contactless debit card for your account

You must meet eligibility requirements first.

To be eligible to open a Health Savings Account, you must meet all of the following requirements:

  1. Covered under a high deductible health plan (HDHP) on the first day of the month
  2. Generally not covered by any health plan that is not an HDHP (exceptions exist for coverage that is not part of an HDHP for accidents, disability, dental care, vision care, long-term care, or permitted insurance)
  3. Not enrolled in Medicare
  4. Not able to be claimed as a dependent on another person’s tax return

Use pre-tax dollars to pay medical bills.

When you open a health savings account, you help to plan for future healthcare expenses.

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