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HEALTH SAVINGS ACCOUNT—START SAVING TODAY FOR MEDICAL EXPENSES

A Health Savings Account (HSA) from First Bank of Berne allows you to make tax-deductible contributions and your eligible distributions are tax-free. You can withdraw funds easily from your HSA for qualified medical expenses, using your debit card or a check. The money in your HSA can be carried over year-to-year, and you can use it for your own or other family members’ medical expenses, even if they are not covered under your insurance plan.

ARE YOU QUALIFIED FOR A HEALTH SAVINGS ACCOUNT?

You will qualify if you are:

  • An adult covered under a “high deductible health plan” (HDHP)
  • Not in an insurance plan that has co-pays or a plan that pays anything prior to your deductible amount
  • Not claimed as a dependent on someone else’s taxes (minors, college students)
  • Not eligible to be enrolled in Medicare

WHEN AND WHAT TYPES OF CONTRIBUTIONS CAN YOU MAKE?

  • You can make tax deductible contributions to your HSA whether or not your deductions are itemized (any time during the current year and between January 1st and April 15th for a prior year)
  • If you have a HSA account in a different bank, you can also make a rollover contribution once per year into your First Bank of Berne HSA account.
  • Your employer can make contributions that are not taxed to you as an employee or to the employer
  • Anyone may make a contribution on behalf of an eligible individual and the person receiving the contribution (account holder) gets the tax credit.
  • Direct transfers between financial institutions can be made without restrictions.

2017 Maximum Contributions:

  • $3,400 if you have an individual health plan
  • $6,750 if you are covered by a family health plan

HSA Features:

  • Free Access Card available
  • Unlimited Check writing
  • Free Online Banking
  • Free E-Z Access Telephone Banking
  • Account Earns Interest
  • Direct Deposit Contributions
  • AFT Contributions

Regular Statement Savings


An entry level savings account for those just starting a savings plan.

Gold Money Market Savings


Designed for customers with balances of $25,000 or more.

Money Market Savings


Designed for customers with balances of $2,500 or more.