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Citizens Bank - Health Savings Account

Health Savings Account 

A Health Savings Account (HSA) is designed to help individuals save for qualified medical and retiree health expenses on a tax-free basis *. Money is put in a special account owned by an individual to pay for current and future medical expenses. An HSA must be used in conjunction with a "High Deductible Health Plan" (HDHP).

  • Those under the age of 65 are eligible to contribute to an HSA if they:
  • 1. have a qualified health plan (HDHP) and they are NOT covered by other health insurance
    2. are not eligible for Medicare and cannot be claimed as a dependent on someone else's tax return

  • No monthly maintenance fee
  • Interest paid on this account type is a variable rate calculated on the daily collected balance and paid monthly (Interest rate subject to change; current interest rate and Annual Percentage Yield available upon request)
  • No fee for Notary Service, Direct Deposit, Online Banking Account access and 24-hour Xpress Phone Banking
  • Minimum balance to open account, $0.00

*Please consult a tax professional for specific tax advice.


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