Employer Contribution Options

It's easy to contribute to your employees' Health Savings Accounts (HSA). We provide several options to meet your specific needs. Be sure that you are signed up as a business partner with HSA Bank prior to selecting a contribution option.

Note: Each year the IRS sets annual HSA contribution limits. Let your employees know the limits so that their contribution does not exceed the amount.

Detailed information, including step-by-step instructions regarding each of our contribution methods, can be found in the HSA Bank Employer Manual.

Group Online Contribution Tool (GOC)

Set-up time:
5 business days
Contributions available:
If selection is made before 2 p.m., CT, the transaction can be made the next business day or two business days thereafter.

HSA Bank's GOC tool is easy-to-use, fast and convenient. You can access the tool and make contributions online by logging into our Employer Admin Site.

Benefits of GOC tool include:

  • One-time or recurring contributions
  • Easy upload with a Microsoft Excel (CSV) file
  • Various contribution-frequency options (weekly, bi-weekly, monthly, etc.)
  • Snapshot of pending and past contributions
  • Current or prior-year contribution reports, including summaries of all your contributions from any source
  • Email confirmations

Start taking advantage of this tool today. Complete the Group Online Contribution Form and ACH Agreement and send it to us with a voided check from your business checking account. To access this form, log into the Employer Admin Site.

Electronic Contribution File with Wire/ACH

Set-up time:
10 business days
Contributions available:
Same business day if received before 11 a.m., CT, next business day thereafter.

This option is a good choice if you would like to wire or ACH funds from your account to a clearing account with HSA Bank. We will distribute the funds to your employees' accounts based on the information provided in an electronic transaction file or HSA Bank-approved Excel contribution format. Each ACH or wire must be accompanied by an electronic transaction file.

To begin using this option you must call Business Relations at (866) 357-5232, Monday through Friday, 7 a.m. - 7 p.m., CT.

To learn more, read the Electronic File Upload with Wire/ACH Transfer section of the HSA Bank Employer Manual.

Direct ACH

Set-up time:
based on payroll vendor
Contributions available:
Next business day

You can initiate ACH contributions through your current payroll provider. Getting started is easy with our ACH Instructions. We will provide you with the account numbers and our routing number to complete the set up with your vendor.

To learn more, read the Direct ACH section of the HSA Bank Employer Manual.


Set-up time:
Contributions available:
within 3 business days of receipt of check

You can contribute by mailing us a check. Checks should be accompanied by an Employer Contribution Form, which should list all the employees with an HSA and the amounts being contributed to each account. To access this form, log into the Employer Admin Site.

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