Online Banking 
Enroll in Online Banking
  • Start Application

Health Savings Checking Account: Fees/Terms

Account Requirements and Eligibility

  • You must have coverage under a High Deductible Health Plan
  • You may not be covered by any health plan that is not an HDHP (exceptions exist for insurance that covers accidents, disability, dental care, vision care, long-term care and other "permitted insurance.")
  • You must not be enrolled in Medicare
  • You may not be claimed as a dependent on someone else's tax return.
  • You must comply with the guidelines for annual contribution limits.
  • You must understand and manage your contributions and distributions. The financial institution holding your account is not responsible for advising you regarding compliance with these requirements.
  • You should keep all receipts for expenses made from the Health Savings Checking account in case they are needed during an audit.
  • You do not lose the funds in your Health Savings Checking account if they are not used within the year.
  • You may make contributions to your HSA account for the previous tax year until April 15th or the tax deadline.
  • HSA funds can pay for any qualified medical expense. This includes most medical care and services, and dental and vision care. Refer to IRS Pub 502 (available at ) for a partial list. To be an expense for medical care, the expense has to be primarily for the prevention or alleviation of a physical or mental defect or illness.
  • Your HSA funds may not be used to make loan payments or as collateral for a loan
  • Overdraft protection is not offered with this account. Non-sufficient funds fees will be assessed if the account is overdrawn.
  • Your employer or a tax adviser can help you determine if you are eligible to open an HSA and provide you with the contribution limits that apply to your situation.
  • No minimum opening deposit required.


  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2019



You are being directed to, a website not operated by SCCU. SCCU is not responsible for the content of the alternate website. SCCU does not represent either the third party or the member if the two parties enter into a transaction. Privacy and security policies may differ from those practiced by SCCU.

Would you like to continue?


Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.