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Health Savings Account

Health Savings Account

Healthy finances, healthy you

Make the most of every healthcare dollar.

A Health Savings Account (HSA) is a special account, owned by an individual, where the funds deposited are used to pay for current and future qualified medical expenses. HSAs are available only to individuals covered by a qualified high deductible health insurance plan.

In addition to the plan’s deductible, there are many factors to consider when determining if a health insurance plan is HSA qualified. To find out if your insurance plan qualifies, please check with your insurance agent.

2023 HSA Contributions

  • $3,850 for individual coverage
  • $7,750 for family coverage
  • $1,000 catch up for those 55 and older

Benefits of the HSA:

  • HSA contributions and interest earnings accumulate on a tax-deferred basis. They can be tax-free if used for qualified medical expenses.
  • With no end-of-year deadline to use up accumulated funds, your HSA balance may be carried over from year to year.
  • You determine when and how much to contribute (within the federally regulated guidelines).
  • You decide when to use the funds or when to save them for future qualified medical expenses.
  • Free debit card.
  • Free Digital Banking, mobile check deposit, Bill Pay, eStatements and electronic teller.


  • Set-Up: $25.00 fee
  • Monthly Maintenance Fee: None
  • Checks Written: Unlimited

For more information, please contact us. We have HSA specialists ready to help!

*$100 minimum deposit required to earn dividends. Tiered rates based on balances.

Additional Banking Resources







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