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A solution for customers in high-deductible health plans that gives you tax-free savings for out-of-pocket medical expenses. Plus interest! 

Key Features

  • Tax Free
  • Earn Interest
  • Debit Card


The money you or your employer put into your HSA is tax free when you contribute, as it earns interest, and when you use it to pay for qualifying medical expenses. 


We pay tiered, above-market interest rates on HSA deposits—tax free!


Your HSA account stays with you, even if you change employers. And unlike FSA accounts, your HSA balance never exipres. Keep growing your balance year after year! 

  • Waive the $2.50 monthly service charge by keeping a minimum balance of $500 (or if your account is sponsored by a Keystone-affiliated employer)
  • Tiered, above-market interest rates
  • Online and mobile banking
  • FREE HSA debit card
  • FREE first order of checks (if requested)

Contributions, distributions, and qualified medical expenses are subject to IRS regulations. Consult with your tax advisor for any tax questions.

Eligibility required. You must have coverage under an HSA-qualified "high deductible health plan" (HDHP), have no other "first-dollar" medical coverage, not be enrolled in Medicare and cannot be claimed as a dependent on someone else's income taxes.

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Headquartered in the Hill Country

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