Skip to content


We’ll help you take care of your family’s medical expenses with competitive interest and triple tax savings.1

Key Features

  • Competitive Interest
  • No Monthly Service Fees
  • No Minimum Balance Requirements
  • Greater personal control over healthcare management and expenses
  • Prepare for qualified medical expenses
  • Earn competitive interest on entire balance
  • An HSA provides triple tax savings:
    • Tax deductions when you contribute to your account
    • Tax-free earnings through investment
    • Tax-free withdrawals for qualified medical, dental, vision expenses, and more1
  • Contributions are tax-free and can be made by you, your employer, or a third party2
  • Funds can be withdrawn at any time3
  • No monthly service fees
  • No minimum balance requirements
  • Unused funds remain in account year after year; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • Federally insured by FDIC
  • $50 minimum deposit to open

Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility.

To be eligible:

  • You must be covered by a high deductible health plan (HDHP) on the first day of a month to qualify for eligibility for that month
  • You must have a minimum deductible of $1,300 for individuals or $2,600 for families
  • Your annual out-of-pocket expenses (including deductibles and co-pays) cannot exceed $6,550 for individuals or $13,100 for families
  • Contributions are limited to annual IRS guidelines
  • A person age 55 or older may make an additional $1,000 in "catch-up" contributions
  • You cannot be covered by any other health plan that is not an HDHP
  • You cannot be enrolled in Medicare
  • You cannot be claimed as a dependent on someone else's tax return
  • You must be under age 65

There are no eligibility restrictions regarding income level and there is no requirement of earned income to make contributions.

1Consult a tax advisor.

2When used for qualified medical expenses. Consult a tax advisor. Qualified expenses include most medical care and services, dental and vision care, weight loss programs, some over the counter medications, mileage, and more.

3You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 10% penalty tax.