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Health Savings Accounts (HSA)

With the rising costs of health care, you need to be prepared. An HSA allows you to put away pre-tax money for approved medical expenses. Plus, you earn tax-free dividends, with some of the most competitive rates in the St. Louis region.

Both you and your employer can contribute, and the funds automatically roll over year to year. Plus, you get peace of mind knowing you'll have the means to keep you and your family healthy and safe. Talk to our experts today!

Health Savings Accounts (HSA)
Summary
  • No monthly service fee
  • Save for most medical expenses for you and your family
  • Contributions are tax deductible
  • Dividends are tax-free
  • Same rate as the highest tier of our Money Management account
  • Free debit card and checks for easy access
  • Free online banking and eStatements
  • $1 minimum deposit to open
  • $25 balance to start earning dividends
  • Must have a high deductible health plan (HDHP) to be eligible
  • No "use it or lose it" policy; funds automatically roll over year-to-year
  • Tax free withdrawals to pay for qualified medical expenses
  • Penalty if used otherwise
  • Contribution limits and parameters set each year by the IRS