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TIPS TO NAVIGATE
YOUR JOURNEY

 

Get help managing your account online through the Member Website. Find out how
to order a debit card, fund your account and more.


ACCOUNT SUPPORT


HOW DO I REGISTER FOR ONLINE ACCOUNT ACCESS?

  1   Go to myaccounts.hsabank.com to register your online account.

  2   Click New user? Create login.

  3   Follow the steps on screen to complete your account registration.

Get more login help.


HOW DO I MAKE A CONTRIBUTION TO MY HSA?

  1   Payroll deduction - 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.

  2   Online transfer - You can contribute to your HSA from your bank account on
the HSA transaction page of the Member Website. Log in to your account, go to
Contributions, then Make Contribution and create your transaction.

Add a bank account to make a transfer from a new account.

  3   Check or money order - Mail your payment along with a completed copy of
the HSA Contribution Form to:

    HSA Bank
    P.O. Box 251
    Sheboygan, WI 53082-0939

You can find the HSA Contribution Form in the Resources section of the Member
Website.

  4   Transfer or rollover - IRS regulations permit the transfer or rollover of
funds to an HSA from an existing HSA or MSA (Medical Savings Account). Visit
hsabank.com/transfer to learn more about how to consolidate your HSAs or
transfer funds.

The IRS sets limits each year for maximum contributions. View current IRS
Contribution Limits.


WHAT ARE THE IRS ANNUAL CONTRIBUTION LIMITS?

View current IRS Contribution Limits.

IRS contribution limits for individual and family plans typically increase every
year. Plus individual accountholders 55 and older can make an additional $1,000
catch-up contribution. Eligible spouses over 55 can only make catch-up
contributions to their account.


HOW DO I ORDER A REPLACEMENT DEBIT CARD?

Call 800-357-6246 immediately if your card is lost or stolen, or promptly follow
these steps to cancel your existing card and request a new card. To order a
replacement card for any other reason, follow the applicable steps.

  1   Log in to your account and click Settings on the left menu.

  2   Click Debit Cards on top of the Settings page.

  3   Click Manage Account and follow the steps.

  4   Click Order Replacement and complete the form. This will cancel your
current card and initiate the card replacement process.

Your replacement card should arrive within 10-14 days.


HOW DO I VIEW AND PRINT MY STATEMENTS?

  1   Log in to your account and click Resources on the left menu.

  2   Click View Statements on the right side of the Resources page.

  3   Choose the document or summary you want to view from the list of available
statements and notifications and click the print icon if you want to print.

You can also view or change your notification delivery method preference for
account summaries, tax forms and certain bank disclosures and notices. Click
Edit Notification Preferences under the Preferences tab on the Settings page.


HOW DO I LINK A BANK ACCOUNT?

  1   Log in to your account and click Settings on the left menu.

  2   Click Manage Account under Linked Accounts on the Settings page.

  3   Click Add Bank Account.

  4   Fill in the fields and click Submit. HSA Bank will then send a small
deposit to your external account within three (3) business days to verify your
banking information.

  5   Validate your banking information using the steps below once your account
has the deposit.

  6   Click Manage Account under Linked Accounts on the Settings page.

  7   Click Activate under your bank account information.

  8   Enter the amount (between $.01 - $1.99) we deposited into your
checking/savings account and click Submit to activate your account. Once this is
done, your account will be available for contributions and distributions.


HOW DO I ADD A BENEFICIARY?

  1   Log in to your account and click Settings on the left menu.

  2   Click Edit Profile under My Profile on the Settings page.

  3   Click Add Beneficiary.

  4   Fill in the fields and click Submit. You’ll be asked to provide
information about your chosen beneficiary, including their Social Security
number and birthdate.

What you need to know:*

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

If you don’t designate a beneficiary for your HSA before you pass away, the
assets in your account are distributed to your estate and 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. They can use the money tax-free 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 medical expenses, they’ll pay a 20% penalty tax on the
amount distributed 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’s one
exception to the rule, however. Your beneficiaries have up to one year after you
die to use the money tax-free for any eligible healthcare expenses you incurred
after you opened the account, as long as you keep the receipts and the expenses
weren’t already reimbursed by the HSA.

If you have a spouse and don’t designate them as 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 isn’t intended as
tax or legal advice. HSA Bank doesn’t provide tax or legal advice. Please
consult with a qualified tax or legal advisor if you need advice regarding your
specific situation.


HOW DO I ADD AN AUTHORIZED SIGNER?

  1   Log in to your account and click Settings on the left menu.

  2   Click Edit Profile under My Profile on the Settings page.

  3   Click Add Authorized Signer.

  4   Fill in the fields and click Submit.

Please note: An authorized signer must be 18 or older.


HOW DO I PAY FOR AN IRS-QUALIFIED HEALTHCARE EXPENSE OVER THE HEALTH BENEFITS
DEBIT CARD DAILY LIMIT?

  1   You can pay for an expense with your external personal account or with a
credit card and then reimburse yourself. Schedule HSA transfers online or on the
app (Note: There’s a daily transfer limit of $2,500 to safeguard against
fraudulent activity, so amounts over this require multiple transfers).

  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. Log in to your
account, click Manage Expenses on the left menu, and then select the expense you
want to pay. (Note: There’s no daily limit to pay a provider.)

  4   You can pay with an HSA Bank check. Log in to your account, click Settings
on the left menu, and click Manage Account under Linked Accounts at the top of
the Settings page. Then click Order Checks on the linked page.

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

Your HSA Bank Health Benefits 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 Health Benefits Debit Card is $5,000 at merchants dedicated
to healthcare (e.g., a doctor’s office or hospital) and $3,500 at merchants that
aren’t 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. Call the number on the back of your Health Benefits Debit Card for
more information.


HOW DO I GO PAPERLESS?

Choose online only preferences by following these easy steps.

  1   Log in to your account and click Settings on the left menu.

  2   Click Update Notification Preferences on the top right.

  3   Check I would like to Go Paperless and click Submit.

  4   Under Notification Preferences, unselect Paper or select I would like to
Go Paperless.

Review and sign up for email and/or text alert options to help you monitor and
safeguard your account.


HOW DO I SIGN UP FOR EMAIL AND/OR TEXT ALERTS?

  1   Log in to your account and click Settings on the left menu.

  2   Click Edit Notification Preferences under the Preferences tab on the
Settings page.

  3   Click Update Notification Preferences on the top right.

  4   Check the box(es) of your preference and click Submit.


HOW DO I REIMBURSE MYSELF FOR OUT-OF-POCKET IRS-QUALIFIED HEALTHCARE EXPENSES?

  1   HSA Bank Health Benefits Debit Card: You can use your HSA Bank Health
Benefits Debit Card at an ATM to reimburse yourself for eligible expenses paid
out of pocket.

Note: When you distribute HSA funds from an ATM select the "checking" option
(not savings) when asked the type of account.

  2   Online Transfer: Log in to your account and 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. Need more checks? Log in to your account, click Settings on the
left menu, and click Manage Account under Linked Accounts at the top of the
Settings page. Then click Order Checks on the linked page.


WHAT IS THE HSA BANK ROUTING NUMBER, AND WHERE DO I FIND MY ACCOUNT NUMBER?

The HSA Bank routing number is 075907947.

Log in to your account to find your account number with these steps:

  1   Click Settings on the left menu.

  2   Click My Profile from the top menu and hover over Hover to view.




HSA CONTRIBUTION CALCULATOR

See how much you’re eligible to contribute to your HSA and what you could
contribute each paycheck to reach the maximum.


Try the Calculator



CONNECT WITH US




© 2023 HSA Bank. HSA Bank® is a division of Webster Bank, N.A., Member FDIC.

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