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Health Savings Account

Save money for medical expenses for yourself and family1 with a Health Savings Account (HSA). All contributions to your HSA are tax-deductible and eligible distributions are tax-free. Easily access HSA funds via your debit card or a check, and relax knowing unused funds carry over year-to-year.

You qualify if you are:

  • An adult covered by a high deductible health plan
  • Your insurance plan does not offer co-pays or pre-deductible payments
  • Not a dependent on someone else’s taxes
  • Not eligible for Medicare

First Bank of Berne HSA features:

  • Free Access Card
  • Unlimited check writing
  • Account earns interest
  • Direct deposit contributions
  • Fees may apply

1Family members are not required to be on your insurance plan

Doctor writing on paper

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.

Which savings account is right for you?

We believe saving for the future should be simple and convenient. That’s why we provide an array of savings accounts to accommodate your unique needs. Whether you are putting money away for retirement, a health need, a dream vacation, your child’s education, or something else, our savings accounts make it easy to set and reach your financial goals.

Minimum
Balance
Free
Withdrawals
Earns
Interest
Regular Statement Savings $200 Learn more
Money Market Savings $2,500 Tiered based on market Learn more
Gold Money Market Savings $25,000 Tiered based on market Learn more
Health Savings Account - Learn more
Certificate of Deposit (CD) $1,000 - Learn more
Individual Retirement Account (IRA) - - Learn More