How to Use Your Health Savings Account

Contribute to Your Health Savings Account (HSA)

Contributing to your Health Savings Account (HSA) is easy and convenient. HSA Bank provides multiple ways for you to make a contribution to your account.

Payroll Deductions – 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.

Online Transfers – You can contribute to your account through our Member Website by following the below steps:

  • Click on "Make HSA Transaction" within the Member Website.
  • Click on "Add Bank Account" to add your external personal savings/checking account.
  • A small deposit will be made into your account. To activate your account, you'll need to confirm the amount.
  • After your bank account is activated, return to the "Make HSA Transaction" page to schedule a one-time or recurring contribution into your HSA.

You can also watch this instructional video to learn how to set up transfers to your HSA.

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Transfers or Rollovers – IRS regulations permit the transfer or rollover of funds to an HSA from an existing HSA or MSA (Medical Savings Account). To learn more about consolidating your HSA accounts or transferring funds, visit HSABank.com/transfer.

Pay for IRS-Qualified Expenses With Your Health Savings Account

It’s easy to pay for IRS-qualified healthcare expenses with your HSA. We offer several convenient options to pay for current or future healthcare expenses, which include deductibles, co-insurance, prescriptions, vision, dental care, and more. View a complete list of qualified medical expenses on IRS.gov.

An HSA is a unique tax-advantaged account that can be used for current or future healthcare expenses. To pay for a service or make a purchase, you need to have the available funds in your account.

Use Your Health Benefits Card – Your HSA Bank Health Benefits Debit Card provides access to your HSA funds at point-of-sale with signature or PIN1. HSA Bank limits point-of-sale debit card transactions to medical merchants. Debit card transactions are limited to your current balance2.

You can designate an authorized signer and request a debit card for them at any time in the Member Website.

Use Online Bill Pay – You can use our online Bill Pay system to pay a provider directly from your HSA. To access Bill Pay, log into the Member Website or mobile app and click on “Make HSA Transaction.”

NOTE: Before you download and begin using HSA Bank Mobile, you must first have created a username and password on the Member Website.

While the HSA Mobile app is free to download, message and data rates may apply. Check with your mobile services provider for any charges that may apply for data usage on your mobile device. Please refer to the Online Services Agreement for further details regarding HSA Bank mobile banking services.

Write a Check – You can order a book of 50 checks to pay for routine and point-of-sale purchases3. Simply log into the Member Website, click on the Profile Tab, select Banking/Cards, and then Order Checks. Please allow two to three weeks for delivery of checks.

Reimburse Yourself for Out-of-Pocket Medical Expenses

Did you know that you can pay yourself back from your HSA for IRS-qualified medical expenses that were paid out of pocket? We offer multiple options for accessing your funds.

  • HSA Bank Health Benefits Debit Card – You can use your HSA Bank Health Benefits Debit Card at an ATM4 to reimburse yourself for eligible expenses paid out-of-pocket (a transaction fee may apply). When withdrawing HSA funds from an ATM, be sure to select the "checking" option (not savings) when asked the type of account you are withdrawing from.
  • Online Transfer – On HSA Bank’s Member Website, you can 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.
  • Checks – Use your HSA Bank checks to reimburse yourself for an IRS-qualified medical expense already incurred. Simply write a check from your HSA to yourself and deposit it into your external personal checking or savings account.

Note: You will be able to reimburse yourself for IRS-qualified medical expenses that you incur from the establishment date of your HSA. For example, if your HSA establishment date is January 1, you can reimburse yourself for expenses incurred on or after that date.


1 – Transaction fees may apply when HSA Bank Health Benefits Debit Card is used with a PIN. For applicable fees, see your HSA Bank Interest and Fee Schedule or Explanation of HSA Bank Fee Changes document.

2 – The daily debit card limit for the Health Benefits Debit Card is $3,000. This limit exists as a safeguard against fraudulent activity. We offer multiple options to pay for an expense that exceeds the $3,000 daily debit card limit. Learn More.

3 – Check your Health Savings Account Fee and Interest Schedule for any applicable fees for ordering checks.

4 – Fee per ATM withdrawal may apply.