HSA Bank | How to use your HSA

Setting up your HSA

Easily access and manage your account online or from the HSA Bank app once you set up your username and password. After that, you can:

Link external bank accounts for quick contributions and distributions

Upload and store receipts for eligible expenses

Submit reimbursements and pay providers

Use the Contribution Planner to visualize savings

Use the Eligibility Scanner to find eligible items

View expenses and claims from multiple providers and by type, status and care recipient

Access and upload forms, summaries, tax documents and more

Get more account set up help in the Help Center.

How do I contribute to my HSA?

Contributing to your HSA is easy and convenient. HSA Bank provides multiple ways to contribute to your account up to the IRS maximum limit for your plan.

Payroll deduction

If offered through your employer, you can make pre-tax contributions from your paycheck.

Online transfer

Set up one-time or recurring contributions from your linked personal bank account. You can also mail a personal check.

Transfers or rollovers

Move existing HSA or MSA (Medical Savings Account) funds to HSA Bank. Learn more at hsabank.com/transfer.

Build your savings strategy

Everyone’s needs, savings goals and spending habits are different and evolve — especially when it comes to healthcare. And after age 65, you no longer pay a distribution penalty if you use your HSA funds on ineligible services or items, making HSAs a powerful retirement account, too.

Luckily, HSA Bank has tools to support every type of accountholder. Identify the savings strategy and tools that align best with your health and wealth goals.

How do I pay for qualified expenses?

HSA Bank gives you several ways to use your HSA funds. Just remember to use them for IRS-qualified healthcare expenses; money spent on ineligible costs is subject to income tax and a 20% penalty. Always check your cash balance before transactions — you need to have available funds in your account, and daily limits apply.

✔ Use your Benefits Card: You can pay for eligible services and items at time of service or sale with your debit card.

✔ Use your mobile wallet: You can also add your Benefits Card to Apple Pay®, Google Pay^_TM or Samsung Pay® in a mobile wallet if your device offers that function.

✔ Reimburse yourself: Pay out of pocket with cash or a personal debit/credit card and then reimburse yourself through HSA direct deposit transfers scheduled online or through the app.

✔ Use online bill pay: With our online bill pay system, HSA Bank will send payment directly to your provider.

✔ Store receipts: You can also upload receipts to submit for reimbursement at a later date. This is a great option to track eligible expenses while you build your savings. Choose to reimbursement yourself next month, next year or not at all.

Get the most out of your HSA

Once you have your bases covered with contributing, saving and spending, maximize how you use your HSA with these actions.

Set alerts and notifications: Protect your account by keeping activity top of mind with text and email alerts.

Designate a beneficiary: It doesn’t cost anything to set up and gives you peace of mind knowing when you pass, your HSA assets go directly to the person(s) you select.