Health Savings Account

Tax savings1, convenience, portability. These are just a few of the perks of opening up a Health Savings Account (HSA) at Guaranty Bank & Trust. When an unexpected medical bill rolls in, an HSA can help you deal with the stress.


  • Tax Savings1 – HSA contributions are tax-deductible, and earnings and eligible withdrawals are tax-free, as long as certain requirements are met.1
  • Ownership and Control – You own your account and decide how to spend your healthcare dollars.
  • Convenience – You can use your HSA Mastercard® 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.


  • Minimum Opening Balance of $50
  • Interest-Bearing Account – Daily interest paid on the entire balance.
  • Unlimited Check Writing
  • Free Mastercard® Debit Card2
  • Annual service fee: If your current balance is below $500 as of June 30, your account w ill be subject to an annual service charge of $25.00. Also e-statements are required but can receive paper statements for $5 per month.
For more information about an HSA from Guaranty Bank & Trust N.A., please read the frequently asked questions section.

Health Savings Accounts FAQs

     1 Refer to a tax professional regarding potential tax savings with an HSA account.

     2 The use of this card is for health related expenses only.

For current interest rate information, please call 888-572-9881 or come by any Guaranty Bank & Trust location.