Health Savings Account (HSA)


  • Ideal, if you have a High Deductible Health Plan and need to withdraw funds for qualified medical expenses for yourself, your spouse or a dependent. What you don't spend on health care expenses, you can save for retirement.
  • $100 minimum opening deposit
  • No service charge if $100 minimum daily balance; otherwise, $3 service charge per statement cycle if minimum balance is not maintained     
  • Pays tiered interest
  • Online Banking and Bill Pay, at no charge
  • Free debit card, subject to approval
  • Free Online E-Statements


  • Earn Interest
  • Helps you pay for out-of-pocket medical expenses
  • Funds deposited may be tax-free
  • Earnings on your money may be tax-free
  • Withdrawals for medical expenses may be tax-free
  • Save for future medical expenses with pre-tax dollars
  • Funds remain in your Health Savings Account from year to year

$3 service charge per statement cycle if minimum daily balance is not maintained.