Health Savings Account 


A Health Savings Account (HSA) is a trust or custodial account established by an eligible individual to pay qualified medical expenses.


Rate Information

View our current rate information.


Compounding and Crediting

Interest will be compounded every month. Interest will be credited every month.


Minimum Balance Requirements

There are no minimum balance requirements to open this account. A service charge of $3.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month. You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.


Balance Computation Method

We use the daily balance method to calculate the interest on your account. This method applies a periodic rate to the principal in the account each day.


Accrual of Interest on Noncash Deposits

Interest begins to accrue no later than one business day after we receive credit for the deposit of noncash items (for example, checks).


Fees and Charges

A $25.00 setup fee will be due prior to opening an account. In addition, the following fees and charges may be assessed against your account:


Stop Pay Charge

$30.00 per request

Returned Item Fee

$3.00 per item

Re-deposit of Returned Item Fee

$1.00 per item

Dormant Account Fee

$5.00 per month

Returned Mail Fee

$5.00 per month

Deposited Item Copy Fee

$3.00 per month

Wire Transfer Fee


International Wire Transfer Fee


Collection Fee

$20.00 per item

Canadian Check Processing Fee

$10.00 per check + exchange fee



Transaction Limitations

Savings accounts are limited to six preauthorized withdrawals or transfers per month or statement cycle of at least four weeks. No more than three of these transfers may be made payable to third parties by check, draft, debit card, or similar means.


NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.