• Tiered interest rates based on collected balances give the employee / customer the ability to earn additional income
• HSA funds are easily accessible with HSA checks or HSA VISA Check Card
• Complimentary first order of HSA Checks
• Monthly statement including check images
• Free access to HSA information through First Citizens Online Banking and First Connection
• Tax savings include:
  • Tax deductions for HSA contributions for employee / customer
  • HSA earnings excluded from taxable income for employee / customer
  • Tax free withdrawals for qualified medical expenses for employee / customer
• Assist employees to become more conscientious about health care
• Accumulated interest is tax-free or tax-deferred
• All contributions made by employers are exempt from payroll taxes, but are subject to W-2 reporting

• Minimum opening deposit $100.00
• Low monthly fee of $3.00
• Interest earned on daily collected balances

Certain federal guidelines must be met to qualify for this account. Federal tax benefits are determined by IRS rules. Check with your tax advisor for state rules regarding HSA's.