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Paying for IRS-qualified medical expenses

There are a number of ways you can access your HSA funds to pay for IRS-qualified medical expenses:

Debit Card(s) and Checks

Debit Cards: You can receive two FREE Visa® debit cards to pay for eligible IRS-qualified medical expenses in two ways.

    1.) For point-of-sale purchases. There is no fee when you sign for debit card purchases. A $2.00 transaction fee applies for PIN-based transactions.

    2.) You can also use your debit card at ATMs to reimburse yourself for eligible expenses paid out-of-pocket. ($2.00 PIN transaction fee applies.)

Order Your Debit Card through Internet Banking | Tips for Using your Debit Card

You can order checks to pay for routine and point-of-sale purchases, or to reimburse yourself for IRS-qualified medical expenses you’ve paid for out-of-pocket. Check transactions are free, and limited only by the available balance in your HSA. Just $7.95 for 50 duplicate checks.

Order Your Checks through Internet Banking

Online Transfers through Internet Banking
You can pay for IRS-qualified medical expenses using the online bill pay feature of your regular checking or savings account and get paid back from your HSA account. Simply sign up for Internet Banking and make an online transfer from your HSA to your regular account (limit $500 per day).

Manual Withdrawal
To pay for, or reimburse yourself for large IRS-qualified medical expenses, you can withdraw funds from your HSA by completing a Withdrawal Form and mailing or faxing it back to HSA Bank. A $10 processing fee will be deducted from your account.