Tips to navigate your journey

1. Go to myaccounts.hsabank.com to register your online account.

2. Click New user? Create login.

3. Follow the steps on screen to complete your account registration.

Get more login help.

1. Payroll deduction - If you have a health plan through your employer, you may be able to make pre-tax contributions to your HSA from your paycheck. Contact your employer for more information about this option.

2. Online transfer - You can contribute to your HSA from your bank account on the HSA transaction page of the Member Website. Log in to your account, go to Contributions, then Make Contribution and create your transaction.

Add a bank account (see instructions in the "How do I link a bank account?" question below) to make a transfer from a new account.

3. Check or money order - Mail your payment along with a completed copy of the HSA Contribution Form to:

    HSA Bank
    P.O. Box 251
    Sheboygan, WI 53082-0939

You can find the HSA Contribution Form in the Resources section of the Member Website.

4. Transfer or rollover - IRS regulations permit the transfer or rollover of funds to an HSA from an existing HSA or MSA (Medical Savings Account). Visit hsabank.com/transfer to learn more about how to consolidate your HSAs or transfer funds.

The IRS sets limits each year for maximum contributions. View current IRS Contribution Limits.

View current IRS Contribution Limits.

IRS contribution limits for individual and family plans typically increase every year. Plus individual accountholders 55 and older can make an additional $1,000 catch-up contribution. Eligible spouses over 55 can only make catch-up contributions to their account.

Call 800-357-6246 immediately if your card is lost or stolen, or promptly follow these steps to cancel your existing card and request a new card. To order a replacement card for any other reason, follow the applicable steps.

1. Log in to your account and click Settings on the left menu.

2. Click Debit Cards on top of the Settings page.

3. Click Manage Account and follow the steps.

4. Click Order Replacement, review information and click Submit. This will cancel your current card and initiate the card replacement process.

Your replacement card should arrive within 10-14 days.

1.  Log in to your account.

2. Go to Resources, then Account Summaries.

3. Download the document or summary you want to view and click the print icon if you want to print.

You can also view or change your notification delivery method preference for account summaries, tax forms and certain bank disclosures and notices. Go to Settings, then Edit Notification Preferences under the Preferences tab.

1. Log in to your account and click Settings on the left menu.

2. Click Manage Account under Linked Accounts on the Settings page.

3. Click Add Bank Account.

4. Fill in the fields and click Submit. HSA Bank will then send a small deposit to your external account within three (3) business days to verify your banking information.

5. Validate your banking information using the steps below once your account has the deposit.

6. Click Manage Account under Linked Accounts on the Settings page.

7. Click Activate under your bank account information.

8. Enter the amount (between $.01 - $1.99) we deposited into your checking/savings account and click Submit to activate your account. Once this is done, your account will be available for contributions and distributions.

1. Log in to your account.

2. Go to Settings, then My Profile.

3. Complete the beneficiary section. You’ll be asked to provide information about your chosen beneficiary, including their Social Security number and birthdate.

What you need to know:*

Your choice of beneficiary makes a big difference in how your HSA is treated after your death.

If you don’t designate a beneficiary for your HSA before you pass away, the assets in your account are distributed to your estate and included on your final income tax return.

If your spouse is your designated beneficiary, your account remains an HSA, and your spouse will become the owner. They can use the money tax-free for qualified healthcare expenses — even if not enrolled in a high-deductible health plan. Should your spouse be younger than 65, take a distribution of funds and use them for something other than medical expenses, they’ll pay a 20% penalty tax on the amount distributed plus income taxes.

If someone other than your spouse is the designated beneficiary, your HSA will end on the date of your death. Your beneficiary will receive a distribution and the fair-market value becomes taxable income to the beneficiary. There’s one exception to the rule, however. Your beneficiaries have up to one year after you die to use the money tax-free for any eligible healthcare expenses you incurred after you opened the account, as long as you keep the receipts and the expenses weren’t already reimbursed by the HSA.

If you have a spouse and don’t designate them as primary beneficiary, you may be required to submit a beneficiary form with the notarized consent of your spouse.

_{*This content is provided for informational purposes only and isn’t intended as tax or legal advice. HSA Bank doesn’t provide tax or legal advice. Please consult with a qualified tax or legal advisor if you need advice regarding your specific situation.}

1. Log in to your account.

2. Go to Settings, then My Profile.

3. Complete the authorized signer section. You’ll be asked to provide information about your authorized signer, including their Social Security number and birthdate.

Please note: An authorized signer must be 18 or older.

1. You can pay for an expense with your external personal account or with a credit card and then reimburse yourself. Schedule HSA transfers online or on the app (Note: There’s a daily transfer limit of $2,500 to safeguard against fraudulent activity, so amounts over this require multiple transfers).

2. You can work with your provider (or hospital) to make debit card payments over multiple days.

3. You can use our online bill pay system to pay a provider. Log in to your account, click Manage Expenses on the left menu, and then select the expense you want to pay. (Note: There’s no daily limit to pay a provider.)

4. You can pay with an HSA Bank check. Log in to your account, click Settings on the left menu, and click Manage Account under Linked Accounts at the top of the Settings page. Then click Order Checks on the linked page.

Please note: Your transactions are limited to your available cash balance.

Your HSA Bank Health Benefits Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals. The daily debit card limit for the Health Benefits Debit Card is $5,000 at merchants dedicated to healthcare (e.g., a doctor’s office or hospital) and $3,500 at merchants that aren’t healthcare specific but offer eligible medical products and/or services (e.g., a department or grocery store). The number of debit card transactions allowed per day is limited and varies based on how the card is used or types of transactions processed. These limits exist as a safeguard against fraudulent activity. Call the number on the back of your Health Benefits Debit Card for more information.

Choose online only preferences by following these easy steps.

1. Log in to your account and click Settings on the left menu.

2. Click Preferences, then Edit Notification Preferences.

3. Click Update Notification Preferences.

4. Check I would like to Go Paperless and click Submit.

Review and sign up for email and/or text alert options to help you monitor and safeguard your account.

1. Log in to your account and click Settings on the left menu.

2. Click Preferences, then Edit Notification Preferences.

3. Click Update Notification Preferences.

4. Check the box(es) of your preference and click Submit.

1. HSA Bank Health Benefits Debit Card: You can use your HSA Bank Health Benefits Debit Card at an ATM to reimburse yourself for eligible expenses paid out of pocket.

Note: When you distribute HSA funds from an ATM select the "checking" option (not savings) when asked the type of account.

2. Online Transfer: Log in to your account and transfer funds from your HSA to an external bank account, such as a personal checking or savings account. There is a daily transfer limit of $2,500 to safeguard against fraudulent activity.

3. Checks: Use your HSA Bank checks to reimburse yourself for an IRS-qualified healthcare expense already incurred. Simply write a check from your HSA to yourself and deposit it into your external personal checking or savings account. Need more checks? Log in to your account, click Settings on the left menu, and click Manage Account under Linked Accounts at the top of the Settings page. Then click Order Checks on the linked page.

The HSA Bank routing number is 075907947.

To find your account number:

1. Log in to your account.

2. Go to Settings, then My Profile.

3. Go to Account Info.

You can add dependents to your account to track expenses for the qualified individuals you pay healthcare expenses for.

1. Log in to your account.

2. Go to Settings, then My Profile.

3. Complete the dependent section.