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Rates & Fees

Current Interest Rates and Annual Percentage Yield (APY)

Effective Date: May 11, 2012
Daily Balance
Rate
APY
$25,000 or more
0.89%
0.90%
$15,000 - $24,999.99
0.74%
0.75%
$10,000 - $14,999.99
0.59%
0.60%
$5,000 - $9,999.99
0.49%
0.50%
$2,500 - $4,999.99
0.19%
0.20%
Less than $2,500
0.09%
0.10%


Current Account & Service Fees - Effective Date: September 1, 2011

Monthly account maintenance fee: $2.50
(Waived on daily HSA balances of $3,000 or more)

Note: Monthly account maintenance fee may vary or be paid by a third party.

Services Included in Monthly Account Maintenance Fee


Apply for an HSA - HSA Bank

*
 Initial debit card at account opening (up to 2)
*
 Debit card point-of-sale purchase with signature
*
 Unlimited check transactions
*
 Contribution processing
*
 Monthly e-statements
*
 Tax reporting (year-end status, 1099-SA and 5498-SA)
*
 Online account access
*
 Bankline (800-565-3512) balance, transactions inquiries, etc.
*
 Four-year renewal per debit card

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Description of Service Fees
Amount
How to Avoid Fee
Monthly Paper Account Statement
$0.75
Elect to receive free e-statements through Internet Banking.
Copy of Monthly Paper Account Statement
$4.00
View and print prior 18 months of statements through Internet Banking.
Monthly Investment*
$3.00
Waived if daily HSA balance is $5,000 or more.
ATM Withdrawal**
$2.00
Access funds through online transfers in Internet Banking.
Point-of-Sale Purchase with PIN
$2.00
Use your HSA debit card at the point of sale with your signature.
Copy of Debit Card Merchant Receipt
$25.00
Save your receipts when using your HSA debit card.
Termination of Debit Card Access
$12.00
You will only incur this fee if you request HSA Bank to terminate your card.
Check Order (50 checks)
$7.95
Use your HSA debit card or online transfers to access your funds.
Copy of Check
$4.00
Keep records of the checks written from your HSA.
Returned Deposited Check
$25.00
Verify funds are available to cover the amount you deposit into your HSA.
Stop Payment
$25.00
You will only incur this fee if you request HSA Bank to stop payment on a check or an electronic payment.
Non-Sufficient Funds (NSF) $30.00 Check your available account balance online before you withdraw funds.
Manual Withdrawal
$10.00
Use online transfers, through Internet Banking, to access your funds.
Excess Contribution
$25.00
Contribute no more than the annual IRS limits.
Wire Transfer (sent and received) $25.00 Use online transfers, through Internet Banking, to access and contribute HSA funds.
Replace Lost or Stolen Debit Card $12.00 Protect your debit card as you would cash and credit cards.
Copy of Tax Document $4.00 View or print copies of your tax documents through Internet Banking.
Corrected IRS Filing
$25.00
You will incur this fee if you request HSA Bank to correct the year or type of contribution that has been submitted.
Account Closing $25.00
If you lose your HDHP coverage, you can continue to use your HSA funds for eligible expenses.
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* Investment accounts are not FDIC insured and they are not bank guaranteed. Investment accounts are not a deposit account, or an obligation of HSA Bank, and they may lose value. They are not guaranteed by any federal government agency.
** The bank/ATM you use may charge you their own fee. HSA Bank customers using a Webster Bank ATM will not be charged an additional fee.