Personal Banking

Health Savings Account Disclosure (HSA)

  • This account is limited to those individuals covered by a high deductible health plan (HDHP)
  • Your interest rate and annual percentage yield may change
  • At our discretion, we may change the interest rate on your account
  • We may change the interest rate on your account at any time
  • There are no maximum or minimum interest rate limits for this account.
  • Interest will be compounded monthly and will be credited to your account monthly
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • No opening balance required
  • A monthly maintenance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000 any day on the statement cycle. The minimum balance fee will not be assessed for the first 12 statement cycles.
  • Minimum daily balance of $1,000 must be maintained to obtain disclosed Annual Percentage Yield (APY). You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue no later than the business day we receive credit for the deposit on noncash items (for example, checks)
  • No transaction limitations apply to this account
  • Refer to the Fee Schedule page for additional fees that may be assessed

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