Skip to content
Log in to Digital Banking Loan Payment
Home Bank Savings HSA

Smarter way to cover healthcare costs.

Our HSA helps you save pre-tax, spend on care, and roll over unused funds, so your money stays yours.

Open an account View Rates
getty-images-n7MY0ctdvOI-unsplash 1

The triple tax saving advantage.

Tax-deductible contributions The money you put in is pre-tax. That means you're saving on healthcare and reducing your taxable income at the same time.
Tax-free growth The growth in your HSA will never accrue taxes.
Tax free withdrawals Your withdrawals are entirely tax free provided you use the money for qualified medical expenses.
Woman relaxing on a couch with a laptop

Your HSA, in full.

  • Everything you need to manage healthcare costs, in one straightforward account.
  • Your funds never expire: unused money rolls over from year to year.
  • Your HSA comes with a debit card. Paying for qualified medical expenses is as easy as any other purchase. No reimbursement forms, no waiting.
  • No minimum balance required. You don't need a set amount to get started or stay active. Open your HSA with an initial deposit and build from there, at your own pace.
  • No annual fee.
  • Draft your HSA by check, just like a checking account.
  • Bill Pay service available. Schedule and manage healthcare payments with ease.
  • Competitive dividend rates on your balance.
  • Initial deposit required to open.
  • Available to members 18 and older who are enrolled in a qualifying High Deductible Health Plan (HDHP).
  • Not available to those enrolled in Medicare or claimed as a dependent on someone else's tax return.
  • Consult a qualified tax professional to make the most of your HSA's tax advantages.
Open An Account View Rates
Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living.

Everything you need to get your HSA working.

When medical emergencies hit, your HSA allows you to focus on your health, rather than your finances. Here's how to get one.

Make sure you're HDHP-covered To open an HSA, you'll need to be enrolled in an IRS-qualified High Deductible Health Plan (HDHP). Not sure if yours qualifies? Check with your employer or health insurer before you apply.
Get your account open in five minutes Opening your account is straightforward. Apply online, visit a branch, or give us a call. All you need is your basic personal information. No credit check. No paperwork mountain.
Fund your HSA your way Contribute via payroll deduction (pre-tax), bank transfer, or a one-time deposit, whichever fits your setup. Every dollar you put in reduces your taxable income. But remember, employer contributions count toward your annual IRS limit.
Use it now or build for the future Use your HSA Debit Card to pay for qualified medical expenses such as prescriptions, co-pays, dental, vision, and more, or simply let your balance build. Once you hit $1,000, you can invest the surplus for long-term, tax-free growth.

Your Health Savings questions, answered.

The ones we hear most. Answered plainly, without the fine print.

An HSA is a tax-advantaged savings account you can use to pay for qualified medical expenses. You fund it with pre-tax money, which means you reduce your taxable income while saving for healthcare costs.

You must be 18 or older and enrolled in a qualifying High Deductible Health Plan (HDHP). You can't be enrolled in Medicare or claimed as a dependent on someone else's tax return.

Most doctor visits, prescriptions, dental, and vision costs qualify. Check IRS Publication 502 for the full list of qualified medical expenses.

Nothing — your funds never expire. Unused money simply rolls over from year to year.

No minimum balance is required to keep your account open, though an initial deposit is required to open it.

No, there is no annual fee on your HSA.

Yes, every HSA comes with a debit card so you can pay for qualified medical expenses directly, with no reimbursement forms.

Yes, Bill Pay is available so you can schedule and manage healthcare payments directly from your account.

We're happy to explain how your HSA works, but for specific tax guidance we recommend consulting a qualified tax professional.

Apply online, visit a branch, or give us a call. All you need is your basic personal information — no credit check required.

Terms and Conditions

View All Rates