Health Savings Account

A Health Savings Account (HSA) is a type of tax-exempt savings account that helps individuals with qualified high-deductible health plans (HDHPs)* save money to pay health expenses on a tax-preferred basis. Out-of-pocket medical expenses may include, but are not limited to, costs related to doctor visits, dental and vision care, and prescriptions.

General Account Information

  • Earns a competitive rate of interest
  • Requires only $50 minimum balance to open account and avoid service fees
  • Free online and mobile access
  • Free HSA Debit Card
  • Free eStatements (individuals who opt to receive a paper statement will be charged a $2.00 monthly fee)



You have several convenient options for making contributions to your HSA account. Contributions can be made via:

  • Automatic deduction from your paycheck
  • One-time or recurring transfers from an account you have at FNBA or another financial institution
  • Deposit by check at an FNBA branch office or via Mobile Deposit
  • Contribution from employer through Direct Deposit

In addition, contributions made to your HSA earn a competitive rate of interest.

Paying Expenses

FNBA makes it easy for you to pay or reimburse yourself for medical expenses. Payment and reimbursement can be made via:

  • HSA Debit Card
  • Online Bill Pay
  • Write a check
  • Cash withdraw at an ATM or local branch office

In addition, you can request additional HSA Debit Cards for your family members.

Convenient tools to help you manage your HSA anytime, anywhere

FirstLine™ Online Banking

You can log on to FirstLine™ Online Banking to access your HSA information. In FirstLine™, you can check your balance, review recent transactions, view/download account statements, set up automatic account alerts, and more.

Medical Expense Tracking

Our online My Finance tool allows you to easily track your medical expenses. You can review your transactions and deductions from your HSA.

My Finance puts you in control of managing your healthcare expenses by:

  • Providing an easy-to-read summary of your healthcare spending
  • Gives you the ability to add notes to HSA expenses
  • Allows you to categorize your healthcare expenses for quick reference

Mobile Banking

No matter where you are, at the pharmacy or the doctor’s office, you can access your HSA information from your mobile device using our FNBA Mobile app. You can check your account balances, review your transactions, or even make a deposit.

Account Alerts

You can subscribe to receive alerts for a variety of account-related events, such as notification of a contribution or distribution made to your HSA, an alert when your monthly online statement is available, and notification of a low balance.

Contact us today for more information!

*To qualify for a Health Savings Account, you must be enrolled in a High-Deductible Health Plan (HDHP). Other limitations may apply. Check with your insurance agent or tax advisor to confirm your eligibility.