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Health Savings Accounts


If you’re looking for a tax-advantaged way to save for healthcare expenses, a Health Savings Account (HSA) might be the perfect solution for you. An HSA is a type of savings account that allows you to set aside pre-tax dollars to pay for medical expenses, including deductibles, copayments, and prescriptions.

One of the biggest advantages of an HSA account is that it offers triple tax benefits. First, contributions to an HSA are tax-deductible and may be excluded from your gross income. Second, the money in your HSA grows tax-free. Finally, withdrawals from your HSA for qualified medical expenses are tax-free. Additionally, HSAs are portable, meaning they are unaffected if you were to experience changes in employment. Health Savings Accounts are available to individuals who have a qualifying high-deductible health plan (HDHP). For 2023, the IRS defines a qualifying HDHP as a plan with a minimum deductible of $1,500 for an individual or $3,000 for a family. Even if your high deductible health plan does not cover them, you can sometimes utilize your HSA to pay for eligible medical expenditures for your spouse and dependents. So how much can you contribute to an HSA each year? For 2023, the contribution limits are $3,850 for individuals and $7,750 for families. If you’re 55 or older, you can make an additional catch-up contribution of $1,000. Not only can an HSA account help you save money on healthcare expenses, but it can also be a valuable retirement savings tool that your Employer may contribute to. With triple tax benefits and the ability to grow your savings over time, this account can be a valuable addition to your financial plan.


  • Must be enrolled in a High-Deductible Health Plan
  • Tax-advantaged way to save for healthcare expenses
  • $50.00 opening deposit required
  • Waivable $5.00 monthly service fee*
  • 12 HSA Courtesy Checks at account opening
  • Penalty-free withdrawals for any reason at age 65**
  • Must be 18 years of age or older
  • Digital Banking Services
  • Monthly eStatements
  • Telephone Banking
  • Direct deposit available
  • FDIC insured


*Monthly fee waived with enrollment in Digital Banking Services and the acceptance of e-statements and notices.
**Funds spent from the account are to be spent in accordance with HSA rules; funds not used within HSA rules are considered as taxable income to the HSA owner.


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