Save for healthcare today.
Build confidence for tomorrow.
Medical costs can pop up when you least expect them. An FVSBank Health Savings Account helps you set money aside for qualified healthcare expenses while keeping your funds local, accessible, and working for you.
Why an HSA?
- Tax-advantage savings1
- $4 monthly maintenance fee waived with
- $50 average daily balance or
- direct deposit
- Earn interest on your balance
- Use funds for qualified medical expenses
What can I use it for?
Use your HSA for qualified healthcare expenses, including:
Doctor visits
Prescriptions
Dental care
Vision care
Medical equipment
Easy access
Check balances, transfer funds, and view Digital Statements through digital banking.
Local support
Have questions? Our team is here to help you understand the next step.
Future-focused savings.
Use your HSA for current expenses or let funds build for future healthcare costs.
2026 HSA contribution limits
Contribution limits are set by the IRS and may change each year.
Self-only coverage: $4,400
Family coverage: $8,750
Age 55+: additional $1,000 catch-up contribution
Ready to get started?
FVSBank can help you open an HSA and feel more prepared for healthcare expenses today and in the future.
Frequently Asked Questions
What is a Health Savings Account (HSA)?
An HSA is a tax-advantaged savings account designed to help individuals save and pay for qualified healthcare expenses.
Who can open an HSA?
To open and contribute to an HSA, you must generally be enrolled in a qualified high-deductible health plan (HDHP). Additional IRS eligibility requirements may apply.
What can I use my HSA funds for?
HSA funds can be used for qualified medical expenses, including doctor visits, prescriptions, dental care, vision expenses, and other eligible healthcare costs.
Do HSA funds expire?
No. Unused funds stay in your account year after year and remain available for future healthcare expenses.
Can I contribute throughout the year?
Yes. You can make contributions throughout the year up to the annual IRS contribution limits.
Are there contribution limits?
Yes. The IRS sets annual contribution limits for HSAs, and limits may change each year.
What happens if I use HSA funds for non-qualified expenses?
Non-qualified withdrawals may be subject to tax and possible IRS penalties. Consult a tax advisor for guidance.
Can I keep my HSA if I change jobs?
Yes. Your HSA belongs to you and stays with you even if you change employers or health plans.
1:Consult a tax advisor