Whether you're a brand new HSA Bank customer or you've been with HSA Bank for a while, it's easy to register for online account access. Follow these easy steps and you'll be set up in no time.

1. To register visit myCigna.com.

2. Click "Register."

3. Follow the prompts to create a user ID and password. You'll need to provide your first name, last name, and date of birth, as well as confirm your identity.

4. Once you are logged in, click on "Manage HSA" to access your account at HSA Bank.

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.

1. Payroll deductions - If you have a health plan through your employer, you may be able to make pre-tax¹ contributions to your HSA from your paycheck. Contact your employer for more information about this option.

2. Online transfers - You can contribute to your HSA by following the below steps:

• Log into your myCigna.com.

• Click on "Manage HSA."

• Click "Pay Bill/Contribute."

• 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 "Pay Bill / Contribute" 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.

3. Check or Money Order - Mail your payment along with a completed copy of our Contribution Form to:

    HSA Bank
    P.O. Box 939
    Sheboygan, WI 53082-0939

Note: You can access the Contribution Form by logging in to the HSA Bank Customer Website and clicking on "Tools & Support" under the Resources menu.

4. Transfers or Rollovers - IRS regulations permit the transfer or rollover of funds to an HSA from an existing HSA or MSA (Medical Savings Account). Learn more about consolidating your HSA accounts or transferring funds.

The IRS sets annual contribution limits. Get more information here.

If your card has been lost or stolen, promptly follow these simple instructions to cancel your existing card and request a new card. To order a replacement card for any other reason, please also follow the applicable steps.

1. After logging into myCigna.com, click "Manage HSA."

2. Click on "Banking/Cards" under the "Accounts" menu.

3. Click on "Order Replacement."

4. To replace your existing card, complete the simple form, check for accuracy, and click Submit. This will both cancel your current card and will initiate the card replacement process.

5. Your replacement card should arrive within approximately 10-14 days.

Please note: A card issuance fee may apply. Refer to your HSA Bank Fee and Interest Rate schedule for further information.

If you need to view or print your statements, it's easy to do so on the HSA Bank Customer Website.

1. After logging into myCigna.com, click “Manage HSA.”

2. Click on the "Message Center" tab and then on the "View Statements" link.

3. Choose the document or summary you wish to view from the list of available statements and notifications.

4. When the document or summary appears on screen, you will have the option to print.

Please note: You can also view or change your notification delivery method preference for account summaries, tax forms, and certain bank disclosures and notices by clicking on the "Update Notifications Preferences" link under the "Message Center" tab.

If you want to make contributions to your HSA or withdraw funds to reimburse yourself for IRS-qualified expenses from an external bank account, just follow these quick and easy steps.

1. After logging into myCigna.com, click "Manage HSA."

2. Click on "Banking/Cards" under the "Accounts" menu.

3. Click on the "Add Bank Account" link.

4. Fill out the form with your account and institution information and select your account type (i.e., Savings, Checking). Once completed, click on the Submit button.

5. After you have submitted the account information, HSA Bank will send a small deposit to your external account within three (3) business days to verify your banking information.

6. Once the deposit is received in your external account, you need to validate your banking information using the steps below.

7. Navigate to the Banking/Cards section of the "Accounts" menu.

8. Click on Activate under your bank account information.

9. To activate your account, enter the amount (between $.01 - $1.99) HSA Bank deposited into your checking/savings account and click Submit. Upon completion, your account will be available for contributions and withdrawals.

If you wish to designate a beneficiary or update your current beneficiary, simply follow these easy steps. In the absence of a designation, your beneficiary is your estate.

1. After logging into myCigna.com, click "Manage HSA."

2. Click on "Profile Summary" under the "Accounts" menu.

3. Click on "Add Beneficiary."

4. You will then be asked to provide information about your chosen beneficiary, including his/her Social Security Number and his/her birthdate. Upon completion of this form, click Submit.

What You Need to Know:*

Your choice of beneficiary makes a big difference in how your HSA will be treated after your death.

If you don’t designate a beneficiary for your HSA before you pass away, the assets in your account will be distributed to your estate and will be included on your final income tax return.

If your spouse is your designated beneficiary, your account remains an HSA, and your spouse will become the owner. He or she can use the money tax-free¹ for qualified healthcare expenses – even if not enrolled in a high-deductible health plan. Should your spouse be younger than 65, take a distribution of funds and use them for something other than qualified healthcare expenses, he or she will pay a 20% penalty tax on the amount withdrawn plus income taxes.

If someone other than your spouse is the designated beneficiary, your HSA will end on the date of your death. Your beneficiary will receive a distribution and the fair-market value becomes taxable income to the beneficiary. There is one exception to the rule, however. Your beneficiaries have up to one year after you die to use the money tax-free¹ for any qualified healthcare expenses you incurred after you opened the account, as long as you keep the receipts and the expenses hadn’t already been reimbursed by the HSA.

Please note: If you designate a non-spouse primary beneficiary, you may be required to submit a beneficiary form with the notarized consent of your spouse.

_{*This content is provided for informational purposes only and is not intended as tax or legal advice. Cigna and HSA Bank not provide tax or legal advice. Please consult with a qualified tax or legal adviser for advice regarding your specific situation.}

Sometimes it makes sense to allow another individual (i.e., spouse, relative, partner) access to your account. To add an authorized signer, follow these easy steps.

1. After logging into myCigna.com, click "Manage HSA."

2. Click on "Profile Summary" under the "Accounts" menu.

3. Next, click on "Add Authorized Signer."

4. You will then be asked to provide information about your chosen authorized signer, including his/her Social Security Number and his/her birthdate. Upon completion of this form, click "Submit."

Please note: Authorized signer must be 18 years or older.

HSA Bank provides you with multiple options to pay for an expense that exceeds the HSA Debit Card daily limit of $5,000.* Your options include:

1. You can pay for an expense with your external, personal account or with a credit card and then reimburse yourself by scheduling HSA transfers within the HSA Bank Customer Website (Note: there is a daily transfer limit of $2,500 to safeguard against fraudulent activity, so multiple transfers will be required for amounts above $2,500).

2. You can work with your provider (or hospital) to make debit card payments over multiple days.

3. You can use our online Bill Pay system to pay a provider. To access Bill Pay, log into the Customer Website and click on "Pay Bill / Contribute." (Note: there is no daily limit to pay a provider.)

4. You can pay with an HSA Bank check. Checks can be purchased within the HSA Bank Customer Website. Check your Health Savings Account Fee and Interest Schedule for any applicable fees for ordering checks. There is no daily limit on dollar amounts.

Please note: Your transactions are limited to your available cash balance.

_{*Your HSA Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals. The daily debit card limit for the HSA Debit Card is $5,000 at merchants dedicated to healthcare (e.g. a doctor’s office or hospital) and $3,500 at merchants that are not healthcare specific but offer eligible medical products and/or services (e.g. a department or grocery store). The number of debit card transactions allowed per day is limited and varies based on how the card is used or types of transactions processed. These limits exist as a safeguard against fraudulent activity. For more information, please call the number on the back of your HSA Debit Card.}

You automatically receive HSA Account Summary statements electronically. To receive your Tax Statements electronically, please follow the below steps.

1. After logging into myCigna.com, click "Manage HSA."

2. Click on "Message Center" in the top navigation, and then select "Update Notification Preferences."

3. Enter your current email address. Your HSA Tax Statements will be electronically available to you if you have an email address on file.

4. Scroll to the bottom of the form, and click "Submit."

5. If you do not already have an email address on file, log into myCigna.com, and enter your email address under "Profile."

You can also sign up for additional email and/or text alert options (such as being notified about a debit card transaction), which can help you monitor and safeguard your account.

HSA Bank makes it easy to sign up for an array of email and text alerts that help you keep your account safe – like when contributions are made to your account or when a debit card purchase has been made. To set your alert preferences, follow these simple steps:

1. After logging into myCigna.com, click "Manage HSA."

2. Click on the "Message Center" tab and the "Update Notification Preferences" link.

3. To receive text alerts, you will need to provide your mobile number and carrier. To receive email alerts, please enter your personal email address in the Profile section of myCigna.com.

4. Next, scroll down and select the notifications you wish to receive, and the delivery method in the “Statements & Notifications Options” section.

5. Once you have made your selections, be sure to click on the “Submit” button.

HSA Bank offers three ways to reimburse yourself for IRS-qualified healthcare expenses that have been paid for out of pocket:

1. HSA Debit Card: You can use your HSA Debit Card at an ATM* to reimburse yourself for eligible expenses paid out-of-pocket (a transaction fee may apply).

Note: 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.

2. Online Transfer: On the HSA Bank Customer 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.

3. Checks: Use your HSA Bank checks to reimburse yourself for an IRS-qualified healthcare expense already incurred. Simply write a check from your HSA to yourself and deposit it into your external personal checking or savings account.

_{* Fee per ATM withdrawal may apply.}

The routing number is 075907947.

To find your account number, follow these easy steps:

1.  After logging into myCigna.com, click "Manage HSA."
2.  Next, click on “Accounts Summary” under the "Accounts" menu.
3.  You will then see the last four digits of your account number. By clicking on “View”, your full account number will be shown.