View Features of an HSA

Open Account

Minimum to Open $50
Monthly Service Charge* No monthly service charge
$25 one-time set-up fee
(set-up waived if opened online)
Minimum Balance Required* None
Interest Bearing1 Yes – Competitive tiered rate
of interest earned on balances
of $500 and above.
Monthly Transaction Fees Unlimited Transactions
(No per item fee)
Visa® Debit Card Yes
Free Online & Mobile Banking Yes
Free eStatements Yes
Free Bill Pay Yes
Voice-24 Phone Banking Yes
Additional Features
  • Free first order of checks.
    (wallet or duplicate)

  • Red debit card design.

Years 2024 2025 Change
HSA Contribution Limit*
(employer + employee)

Self-only: $4,150

Family: $8,300

Self-only: $4,300

Family: $8,550

Self-only: +$150

Family: +$250

HSA Catch-Up Contributions**
(age 55 or older)
$1,000 $1,000 No Change
HDHP Minimum Deductibles

Self-only: $1,600

Family: $3,200

Self-only: $1,650

Family: $3,300

Self-only: +$50

Family: +$100

HDHP Max Out-of-Pocket
(deductibles, co-payments and other amounts, but not premiums)

Self-only: $8,050

Family: $16,100

Self-only: $8,300

Family: $16,600

Self-only: +$250

Family: +$500

* Contributions can be made as late as April 15th of the following year. ** Catch-up contributions can be made any time during the year in which the HSA participant turns 55.

NOTE: Resource Bank is not liable for any excess contributions. Please use this only as a reference. For in-depth regulations regarding HSAs, please consult a competent tax advisor.

  • Reduced Insurance Premiums

  • Tax Savings

  • Interest Earning & Long Term Savings

  • Ownership

  • Transportable & Accessible

  • Enrolled in an HSA-qualified High Deductible Health Insurance Policy

  • Not covered by any other health plan that is not a HDHP

  • Not claimed as a dependent on another person's tax return

  • Not enrolled in Medicare

*Additional fees may apply depending on services used and transaction completed; federal guidelines apply; overdraft/returned item fees may apply. 1 Rates and annual percentage yield may change after account opening. Daily Balance = amount of principal in the account each day. Daily Balance Method – applies a periodic rate to the collected principal balances in the account each day.

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