Offset Expenses

Qualified health & medical needs.


Contributions are pre-tax.

Rollover Funds

No "use it or lose it" policy.

  • NO MINIMUM BALANCE First Nine Months
  • $500 DAILY BALANCE Waives Monthly Fee
  • EARN INTEREST on Higher Balances
  • UNLIMITED Withdrawals with No Fees
  • DEBIT CARD Available
  • MINIMUM Opening Deposit $100

How do I avoid fees?

No maintenance fees for the first nine months - after that it's $5.00 per month. If you maintain more than $500 in your account or link to another account, we'll waive the monthly fee. Keep your account open at least one year to avoid early closing penalties.


$5.00 per month



Account Details

To open a health savings account (HSA), a customer must have a qualifying high deductible insurance plan. HSA funds are accessed using a debit card. If you prefer to write checks, we'll help you order them. You can link an HSA to another account. We'll waive the monthly maintenance fee if your secondary account has a daily balance of $10,000.00 or more. Make contributions for the previous or current tax year, and until you enroll in Medicare. Individuals age 55-64 are allowed to make an additional $1,000.00 catch-up contribution to an HSA.

The IRS sets the annual maximum contribution amount for HSAs each year and also determines what's classified as qualified medical expenses. For tax advice, consult your financial advisor or the IRS website.

Debit Cards

Personal banking customers can apply for and be issued PIN-protected debit cards for real-time access to checking account funds. Access your funds with ease and convenience from First Community Bank, Star, Plus and Jeanie ATMs.

Debit cards have transaction cash limits to protect you, but limit increases may be available. Even better? Your debit card is free.

To open an account, give us a call.

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