Customer Identification Program (CIP) FAQS

This FAQ page provides information about HSA Bank’s Customer Identification Program (CIP).

In accordance with the USA PATRIOT Act, HSA Bank is required to collect some basic information from all new accountholders. The information is used to validate the accountholder’s identity. It is sometimes necessary to collect additional forms of identification from the accountholder.

HSA Bank is required to collect the following:

  • First name

  • Last name

  • Residential address (No P.O. Boxes)

  • Date of birth

  • Social Security Number

HSA Bank will contact the employee by mail with details regarding what additional information is needed. This correspondence will include an Identification Verification Form that will need to be completed and returned to HSA Bank.

An employee can provide information the following ways:

  • Online: Log in to your HSA account. If you haven't created your username and password yet, please do so at and then log in. Next, select Resources from the left navigation, and in the Secure Document Upload section on the right, click Upload.

  • Email to

  • Mail to:
      HSA Bank
      P.O. Box 939
      Sheboygan, WI 53082-0939

HSA Bank may close out the account if the proper forms of identification are not obtained within 90 days of account setup. Should there be any funds in the account at time of closing, the funds will be returned to the account holder and reported to the IRS as an Excess Contribution Removal.

When an employee’s account closes, you will not be able to fund their accounts. Should there be any funds in the account at time of closing, the funds will be returned to the accountholder and reported to the IRS as an Excess Contribution Removal. To reestablish the account within the next calendar year, the employee will need to submit a valid government-issued ID (driver’s license, state issued ID card, passport or visa), Social Security card or individual taxpayer identification number card. A copy of a recent utility bill is also required if the address on their driver’s license or passport is not current. To reestablish the account after the calendar year, a new enrollment application must be completed in addition to submitting the forms of ID noted above.

Available to employers, HSA Bank’s HSA All Account Report identifies any employee who is being asked to provide additional forms of identification. You can review the HSA All Account Report Guide for more information on the report.

The HSA All Account Report provides a convenient way to manage HSA administrative tasks, such as reviewing which accounts can be funded, answering employees' questions and obtaining account numbers to set up payroll deductions (if applicable).

You can view the HSA All Account Report in the Employer Administration Site. Go to Manage employees then select the Reports tab.

Upon viewing the HSA All Account Report, you can follow up with employees who are required to furnish additional forms of identification. By following up with them, you can help prevent unnecessary account closures.

The HSA All Account Report is available weekly to employer contacts with reporting permissions.

HSA Bank recommends that you contact each employee who has not passed CIP to make sure they understand what they need to do to avoid account closure. Although your employees will receive communications directly from HSA Bank, the communications are often overlooked. With your help, your employees can satisfy the CIP requirements and maintain active accounts.