Health Savings Account

Take control of your health care expenses and save money at the same time. A Health Savings Account (HSA) is designed for people with High Deductible Health Plans.

An HSA is similar to an IRA or 401(k) for medical expenses. If you change jobs or move to another city or state, your HSA can move with you. Find out more today.

Find a Branch

A Health Savings Account (HSA) is designed for people with High Deductible Health Plans. It's a complement to traditional health insurance, enabling you to pay for current health expenses and save for future medical expenses on a tax-free basis*. Unlike a flex plan with its "use it or lose it" rule, your HSA money rolls over from one year to the next. Best of all, you own and control the money in your HSA. All decisions on how to spend and/or invest the money in your account are made by you.

Because unused balances in your account roll over from year to year, your account balance may grow. As your contributions and gains increase, you can make tax-free withdrawals* for qualified health care expenses at any time. This is particularly important later in life when your health care costs may be greater. Best of all, even if you never use the money for medical expenses, it stays in your account and can be withdrawn for any purpose after age 65. At that time, you'll pay only income tax on the monies you withdraw for non-health related expenditures.

Common HSA Questions


  • Earns tiered rate of interest (rates subject to change)
  • View transactions by signing up for Online Banking
  • Unlimited checks
  • Free check printing (Graphic-style wallet)
  • Free Debit Card
  • Free electronic statements
  • Better than flex plans
  • Tax-free distributions*
  • Saves on health costs while saving for retirement


A $6 monthly maintenance fee is waived when you maintain a $500 minimum balance.

*Qualified HSA contributions are tax deductible, and qualified distributions are tax free. Refer to IRS Publication 502 for a list of tax-free (qualified) medical distributions.