Health Savings Account

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Personal Bankers

Health Savings Accounts (HSAs) offer a tremendous opportunity for you to take control of your health care. Created as part of the Medicare Bill passed in December 2003, the combination of a High Deductible Health Plan (HDHP) and an HSA offers you a tax-advantaged method of saving money for medical expenses and lowering the premiums you pay for health insurance coverage. An HSA allows you to pay for current health care expenses and future qualified medical and retirement health care expenses on a 100 percent tax-free basis. HSAs can also be used to supplement retirement income. The funds in your HSA are controlled by you and are rolled over every year for your health care expenses. More Information on HSAs Potential Savings with an HSA

A competitive, variable rate of interest on your entire account balance. Interest compounded monthly Unlimited check writing convenience No minimum balance requirements Free Debit Card Free 24-hour Telephone Banking Friendly, local, personal service No monthly fees on accounts with a positive balance No setup fee with initial deposit of $500 or more or with Convenience Package

Convenience Package Option Free monthly e-statements with check images Free online account access with Internet Banking to view your transactions and make contributions Free online Bill Pay access to conveniently pay your medical bills 24/7