Health Savings Account (HSA)

Health savings account hsa 1st national bank

Bank Your Best with 1st National Bank’s Health Savings Account (HSA)

1st National Bank’s Health Savings Account (HSA) offers you a flexible and convenient way to manage your healthcare expenses.

Experience the freedom of no minimum balance requirements, no monthly maintenance fees, online & app banking, and more.

Why Choose Our HSA?

HSA Video

Watch our HSA Video to Learn More

  • Easy to Contribute: Make pre-tax contributions through employer payroll deduction or post-tax contributions directly online at
  • Easy to Pay: Use your 1st National Bank Health Savings Debit Card or free online banking and bill pay for qualified medical expenses. Reimburse yourself from your HSA for out-of-pocket costs.
  • Easy to Manage: Access your account on your computer, smartphone, or tablet with our Online Banking or through our Mobile App.

Benefits of 1st National Bank’s Health Savings Account (HSA)

  • No Minimum Balance: Keep your account without any balance requirement.
  • No Monthly Fees: Save more with zero maintenance fees.
  • Tax Advantages: For those enrolled in a High Deductible Health Plan, a HSA with 1st National Bank brings many tax benefits. Talk to your tax advisor for details.
  • Free Debit Card: Pay for your qualifying medical expenses easily.
  • Annual percentage yield (APY): Earn interest on your savings
  • Relationship pricing: Access better rates on a wide range of 1st National Bank accounts and services

Qualified Medical Expenses

Use your HSA for qualified medical expenses including*:

  • Acupuncture
  • Ambulance Service
  • Dental Care
  • Doctor’s Fees
  • Vaccines
  • Vision Care
  • and more

See IRS Publication 502 for a complete list.

Contact Us

For more information, visit a banking center near you or visit our Contact Us page. Bank your best™ with 1st National Bank.

 *Save your receipts for all qualified medical expenses. 1st National Bank does not verify eligibility. You are responsible for making sure payments are for qualified medical expenses. The descriptions herein are summaries only. Please, refer to the account disclosures for complete details.

Certificates of DepositIcon For: Rates

Term Rate APY*
15 Months 5.36% 5.50%
5 Years 4.41% 4.50%
4-5 Years 4.65% 4.75
2-3 Years 4.88% 5.00%
1-2 Years 2.96% 3.00%
6-12 Months 2.96% 3.00%

*Relationships must have an average balance of $1,000 or a lending product. CDs only excluded. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.