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 Health Savings Accounts (HSAs) for Individuals

An HSA is a tax-advantaged medical savings account available exclusively to individuals who are enrolled in a high-deductible health plan. Funds contributed to an HSA are not subject to federal income tax at the time of deposit. HSA funds roll over and accumulate year to year if they are not spent. HSAs are owned by the individual and may be used to pay for qualified medical expenses at any time without federal liability or penalty. 

HSAs encourage saving for future health care expenses and give consumers more flexibility to determine their own health care choices. Learn more about HSAs below in the Health Savings Accounts Help Center.

Let us help you open your account today!

HSA Access

Health Savings Account Features

  • Includes a checking account.
  • No set-up fee. No annual fee.
  • No monthly maintenance fees*.
  • Interest earned monthly. Tiered rates.
  • Free HSA Mastercard® debit card.
  • Free online statements.
  • Easy access to your account.
  • Minimum opening balance $100.

*$5 monthly maintenance fee if your balance is less than $500

Open an HSA

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First National Bank's HSA Help Center can help you and your employees get started with a Health Savings Account.

Our friendly staff are glad to answer any questions you may have about HSAs or assist you set up an account. Employers wishing to establish accounts for their employees and make contributions to their accounts are also encouraged to contact us to get started.  

 Questions? Contact Us

Employee information


HSA Debit Card

Contribution Limits

HSA Blog Articles

For Businesses


The information provided on this page is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult with your employer and tax advisor before opening an HSA.

You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses (including the Health Coverage Tax Credit), online, or you can call the IRS to request a copy of each at 800.829.3676.

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