| Timeline: Key dates to know for HSA transfer | |
|---|---|
| 2025 | |
| Mid/Late December | Your Benefits Card and account materials are mailed to your home address. |
| 2026 | |
| January 1, 2026 | All HSA contributions will be applied to your HSA Bank HSA starting with your first payroll contribution in January. |
| January 15, 2026 | E-Consent window opens to approve or decline the transfer of your Fidelity HSA balance to HSA Bank. |
| February 28, 2026 | E-Consent window closes to approve or decline the transfer of your Fidelity HSA balance to HSA Bank. |
| March 27, 2026 | Action required for investors: You must liquidate your investments by March 27, 2026 by 4pm EST (Market Close). Important: If you authorized moving your previous HSA to HSA Bank and don’t liquidate your brokerage account, your Fidelity HSA will not transfer. It will stay at Fidelity, while there are no account fees, Fidelity will charge you a closing fee of $25. |
| March 27, 2026 | Last day you can use funds in your Fidelity HSA and your existing Fidelity debit card. |
| March 28, 2026 | If you’re transferring your Fidelity HSA to HSA Bank, your existing Fidelity debit card and your account balance with Fidelity will have a blackout period starting on March 28, 2026. However, any new contributions to your HSA Bank account starting in January will be available during this period. |
| April 10, 2026 | Your HSA balance transferred from Fidelity will be available in your HSA Bank account on or before the end of the day. |
| Timeline: Key dates to know for FSAs | |
|---|---|
| 2025 | |
| Mid/Late December | Your Benefits Card and account materials are mailed to your home address. |
| December 31, 2025 | Last day to incur any FSA (HC-FSA, LP-FSA, DC-FSA) 2025 claims with MCA. |
| 2026 | |
| January 1, 2026 | All HC-FSA and LP-FSA contributions will be applied to your account with HSA Bank. DC-FSA contributions will be available as contributions are made from your payroll starting in January. |
| March 31, 2026 | Any FSA (HC-FSA, LP-FSA, DC-FSA) claims that occurred thru December 31, 2025 need to be submitted to MCA by March 31, 2026. |
| May | Any remaining HC-FSA and/or LP-FSA funds up to the IRS limits will be sent to HSA Bank in May. |
| Timeline: Key dates to know for Commuter Benefits | |
|---|---|
| 2025 | |
| Mid/Late December | Your Benefits Card and account materials are mailed to your home address. |
| December 31, 2025 | Last day to incur and submit any Commuter 2025 claims with MCA. |
| 2026 | |
| January 1, 2026 | All Commuter contributions will be applied to your account with HSA Bank. |
| February 1, 2026 | Any remaining Commuter balances from MCA will be available in your HSA Bank Commuter account. |