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Bank Services
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------=_NextPart_01C9CD61.DEAAD830
Content-Location: file:///C:/4812922B/about_HSA_Bank_files/pres.xml
Content-Transfer-Encoding: quoted-printable
Content-Type: text/xml; charset="utf-8"
‹#›
Considering HSA Bank &#=
13;
for Your HSA?
2
Why HSA Bank?
=
ØCommitment and strength
=
ØOver 10 years experience with health-based account=
s
=
ØRelationships with over 300 health plans and third=
-party
administrators and
15,000 employers
=
ØAdminister more than 210,000 accounts in all 50
states
=
ØIndustry leadership
ØHave
over $500 million in FDIC insured deposits and over $65 million additional dollars in non-FDIC i=
nsured
investment accoun=
ts
3<=
/span>
Online Enrollment
Recommended for employ=
ers
paying HSA fees for employees.
(generally
the most efficient method regardless of size)
4<=
/span>
Electronic Enrollment
Originated
from Paper
5<=
/span>
Online Enrollment
Rec=
ommended
for employers not paying HSA fees for employees.
6<=
/span>
Paper Enrollment
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Step =
1:
Complete the proper HSA Bank forms
Step 2: Mail the forms to HSA Bank with the ini=
tial
contribution, set-up
and check fee (if applicable)
Step 3: Accounts open in 1-2 business days of r=
eceipt
or the effective
date of the plan, whichever is later=
Step 4: Within 2 weeks, the accountholder will
receive a welcome kit,
debit cards (if applicable) and checks (if
applicable)
7<=
/span>
Employer Contribut=
ions
=
<=
span
style=3D'font-size:87%'>ØOnline (ACH Pull)
=
ØConvenient in-house system in Employer Login
area
=
ØProvided list of all employees tied to Federal =
ID #
=
ØColumns after each name for ER, EE, EX allows f=
or
simple designation of
employer, employee and employee pre-tax contribution amounts
<=
span
style=3D'font-size:87%'>ØACH Direct
=
ØEmployer sends ACH direct to employee’s
accounts
&=
Oslash;Utilize discretionary data field in ACH file to co=
de
contribution source=
s
<=
span
style=3D'font-size:87%'>ØCompany ACH or Wire Transfer + File
=
ØCompany sends one ACH file or Wire Transfer + File=
=
ØThe transaction file dictates how the money is
distributed to each accoun=
t
<=
span
style=3D'font-size:87%'>ØSubmit a Check
=
ØWith Contribution Form
8<=
/span>
Employee Contribut=
ions
ØOnline
Contributions
ØRecurr=
ing
or one-time, as needed
ØCheck&=
#13;
ØWith
Contribution Form tear-off
ØWith
Deposit Ticket
9<=
/span>
Savings Account
Option
ØInterest
bearing “bank” account
ØAccounts are opened as an FDIC-insured =
bank account through Webster Bank, N.A.=
ØCurrent interest rate and annual
percentage yield information is available on our
website, www.hsaba=
nk.com
or by calling 800-357-6246.
ØInterest Rate and APY are subject=
to
change, at our discretion, at any time. Fees may
reduce earnings.
<=
span
style=3D'font-size:120%;visibility:hidden'>Ø=
;
10
Self-Directed
Investment Option
ØTD
Ameritrade Corporate Services
ØAccess=
to
stocks, bonds and over 11,000 mutual funds
ØTrades=
are
made online or over the phone
ØTransf=
er
funds from your HSA to your investment account:
=
ØOnline through Internet Banking
=
ØBy calling the Client Assistance Center
11=
Mutual Fund Select=
ion
ØDevenir
Investment Advisors
ØSelect=
ion
Options
ØEmployer can cho=
ose
to offer our standard selection of historically top-performi=
ng
mutual funds
ØFor an addition=
al
fee, employers can choose to select mutual funds similar to th=
eir
401(k) offering
ØTrades are
completed online through HSA Bank’s Internet Banking system
12
Methods of
Distribution
ØDebit
Card from Visa
=
ØPOS
with signature =
;
Ø (no
fee)
=
ØATM
with PIN
Ø ($2
fee)
=
ØPOS
with PIN
Ø ($2
fee)
Ø50
Checks+10 deposit tickets for $7.95 =
;
Ø (no
transaction fee)
ØWithdrawal
Forms =
; &n=
bsp;
Ø ($10
fee)
13=
Distribution Desi=
gn
Doctor
Visit
Submit
Claim
Claim
Insurer
<=
/b>
Applies
netwo=
rk
discounts
discounts
Sends
<=
/span>
EOB
Pay
doctor
Fill
prescription
Pay
Pharmacy
Pharmacy
Scenario A
Scenario B