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Getting Started

Are you considering an HSA but not sure how to get started? Follow the steps below or contact our Client Assistance Center for helpful advice.


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What is a Health Savings Account (HSA)?

HSAs work in combination with HSA-compatible health plans. The health plan is used to cover serious illness or injury, while the HSA is used for current or future eligible medical expenses. Generally, this combination reduces your monthly premiums while providing a savings vehicle for medical expenses.


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Is an HSA Right for Me?

If you are looking for a quality, cost effective way to pay for healthcare, an HSA may be right for you. Use our “Is an HSA Right for Me?” tool to compare the costs of traditional and HSA-compatible health plans. You can also determine the tax-deferred growth and potential savings of an HSA with our Future Value calculator.


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Why Work with HSA Bank?



  • Stellar customer service
    You’ll get live support from HSA Bank’s Client Assistance Center, Monday through Friday from 7 a.m. to 9 p.m. CT.

  • 24/7 account access
    Log in to Internet Banking or access your account through our toll-free, automated Bankline system.

  • Informative tax filing help
    We’ll send you the forms and instructions you’ll need for your HSA-related tax filing.

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How Do I Sign Up?

HSA Bank makes enrolling easy. If enrolling through your employer, your employer will provide the necessary instructions to enroll. To apply as an individual, click here!


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Next Steps

Receive Welcome Materials

Once your account is established, HSA Bank will send a welcome kit containing your account number, disclosures and privacy statement. If debit cards or checks were ordered, these will arrive separately.

Access Internet Banking

It’s the quickest and most convenient way to manage your account. You can make contributions, transfer funds, download transaction history and more. And, because HSA Bank’s Internet Banking system is available 24/7 and updated in real-time, you can be sure your balance and transaction information is current.

Learn how to sign up, make online transfers, get account documents and use account tools.


If you have questions about HSAs or HSA Bank, contact the Client Assistance Center. Our representatives are HSA experts and dedicated solely to helping you understand and manage your HSA both before and after you enroll.