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eBanking Personal Banking Business

Health Savings Account (HSA)

  • No setup fees
  • No annual fee
  • Minimum balance required: $100
  • Monthly service fees based on balance:
    • $6.00 if balance < $100.01
    • $4.00 if balance > $100 but < $200.01
    • $2.00 if balance > $200 but < $300.01
  • Free Instant Issue MasterCard Debit Card
  • Free Internet Banking
  • Free Mobile Banking
  • Free Bill Pay
  • Free Mobile Deposit
  • Free Text Banking
  • Free e-Statements
  • Free individual and employer direct deposit contributions and electronic transfers

HSAs were established to provide persons covered by a high deductible health plan (HDHP) with a tax-free way to save for current and future healthcare expenses.

You may pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren’t typically covered by health insurance plans. This includes deductibles, co-insurance, prescriptions, dental and vision care, and more. For a complete list of IRS-qualified medical expenses and additional information on HSA accounts visit https://www.irs.gov 

Eligibility Requirements:

  • You must be covered by a high deductible health plan
  • You cannot have any other health medical coverage this is not a HDHP
  • You cannot be enrolled in Medicare
  • You cannot be claimed as a dependent on someone else’s tax return

SELF ONLY COVERAGE LIMITS

2018

2019

Maximum Annual HSA Contribution

$3,450

$3,500

Minimum Annual Deductible for HDHP

$1,350

$1,350

Maximum Annual Out of Pocket Expense Limit for HDHP

$6,650

$6,750

FAMILY COVERAGE LIMITS

2018

2019

Maximum Annual HSA Contribution

$6,900

$7,000

Minimum Annual Deductible for HDHP

$2,700

$2,700

Maximum Annual Out of Pocket Expense Limit for HDHP

$13,300

$13,500

The HSA catch-up contribution limit for participants who are 55 or older is $1,000.

Limits are subject to annual inflation-based adjustments.

First National Bank of Steeleville is not responsible for the determination of your allowable HSA contributions or whether you have “qualified medical expenses”. Determining your eligibility to establish an HSA and your allowable contributions and distributions may require the guidance of a tax or legal professional.

Not FDIC Insured

No Bank Guarantee

May Lose Value

Not a Bank Deposit

Not Insured by Any Government Agency

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. First National Bank of Steeleville and Howell Financial Services, Inc. are not registered broker/dealers and are not affiliated with LPL Financial.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AR, AZ, CA, CO, FL, GA, HI, IL, IN, KS, KY, LA, MA, MN, MO, MS, NC, NE, OH, OK, OR, TN, TX, VA, WA, WI