Health Savings Account help you pay for qualified medical expenses

A HSA (Health Savings Account) is a tax-advantaged account that works with a high-deductible health plan to help you pay for current and future qualified medical expenses. HSAs are offered to qualifying individuals only in conjunction with a high deductible health plan (HDHP).

Key Benefits:
  • Tax Savings – HSA contributions are tax-deductible, and earnings and eligible withdrawals are tax-free, as long as certain requirements are met.
  • Ownership and Control – You own your account and decide how to spend your healthcare dollars.
  • Convenience – You can use your HSA MasterCardTM debit card to get instant access to your HSA and pay for eligible out-of-pocket health expenses. You can also use your checkbook to access the funds in your HSA.
  • Portability – You can continue your account even if you change places of employment. Guaranty Bank & Trust will still be here to service your account.
  • Roll Over – Unlike Flexible Spending Accounts with “use it or lose it” requirements, money left over in your HSA at the end of the year rolls over into the next year.
Key Features:
  • Minimum opening balance of $50
  • Interest-Bearing account – daily interest paid on entire balance
  • Unlimited Check Writing
  • Free MasterCardTM Debit Card*
  • Annual maintenance fee of $25 per year will be charged to your HSA on June 30.
A complete fee schedule is available upon enrollment. For more information about an HSA from Guaranty Bank & Trust, please see the Frequently Asked Questions.

*Guaranty Bank & Trust does not charge a fee for using any ATM nationwide. Usage Fee may be charged by the institution that owns the ATM.     
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