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Smart Saving for Healthcare Expenses

A Health Savings Account (HSA) helps you cover medical costs with tax advantages and flexible spending, so you’re prepared when the unexpected happens. 

Why Open an HSA?

Tax-Free Deposits

Contribute pre-tax dollars to save on out-of-pocket healthcare costs.

Tax-Free Growth

Watch your balance grow with interest, without paying taxes on the earnings. 

Tax-Free Withdrawals

Use funds tax-free for qualified medical expenses anytime.

HSA ACCOUNT BENEFITS

Stress Less About Healthcare Costs

An HSA gives you peace of mind that you’re prepared for whatever health expenses come your way. Benefits include:

  • Start with any amount – no minimum balance required
  • Easy access with check writing and debit card
  • Zero service charges or transaction fees
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HSA ELIGIBLE EXPENSES

Everyday Health Costs, Covered

HSA funds can be used for qualified medical expenses, giving you more control over how you pay for care your health plan doesn’t fully cover. Examples include:

  • Copays and prescriptions
  • Dental and vision care
  • Over-the-counter medications
  • Medical supplies and equipment
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Have Questions? We’re Here to Help.

Whether you need answers, guidance, or just a friendly voice, we’re ready when you are.

Frequently Asked Questions

A tax-advantaged account you can use to save and pay for qualified medical expenses.
You contribute tax-free, the money grows tax-free, and withdrawals for medical expenses are also tax-free.
To open and contribute to an HSA, you must:
  • Be covered by a high-deductible health plan (HDHP)
  • Have no other health coverage
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on someone else’s tax return
Check with one of our Universal Bankers for the current HSA contribution limits.

Personal Banking Solutions

From checking and savings to online tools that go where you go, our personal banking solutions make it easier to take control of your finances.

Personal Checking

Simple, everyday accounts to suit your needs, with the digital tools to help manage your money.

Personal Savings

Grow your savings faster with a high-yield account designed to help you reach your financial goals.

CDs & IRAs

Earn competitive returns with secure, long-term savings options built to support your future goals.