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Health Savings Checking

Be prepared for medical expenses with a Health Savings Checking account

Whether you are looking to cover doctor expenses or medication costs, you will be prepared when you open a Health Savings Checking account. This interest-earning account can help individuals with high-deductible health plans save for future and qualified medical expenses.
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Product Features

Terms & Fees
Minimum opening deposit $0
Minimum daily balance None
Monthly low balance fee None
Requires an adult joint account holder No
Funds can only be used for qualified medical expenses Yes
Earns Interest Yes
Monthly service fee None

Health Savings Account Interest Rates

Effective Date: September 01, 2021
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Interest Rate APY^
0.50% 0.50%
^APY = Annual Percentage Yield. Fees may reduce earnings on the account.

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 www.irs.gov) 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 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.
  • Your HSA funds may not be used to make loan payments or as collateral for a loan
  • Overdraft protection - not offered with this account. Non-sufficient funds fees will be assessed if the account is overdrawn.
  • No minimum opening deposit required.