Help center

Go to account.hsabank.com to register your online account. Select ‘New user? Create login’ and follow the steps on screen to complete your account registration.

Get more login help.

If you need to access both your username and password go to the login page, Forgot username?, fill in the fields, and select Next. You’ll get an email with your username. If you don’t get an email, call the number on the back of your debit card. If you don’t have a debit card, call 800-357-6246.

To reset your password go to the login page, select Forgot password?, enter your username and select Request Temporary Password. You’ll get an email with a temporary password to enter on the login page. Enter your username and the temporary password, then sign in. Select Send me the code, you’ll get another email, enter the code, select Verify, fill in the fields, select Change Password. If you don’t get an email, call the number on the back of your debit card. If you don’t have a debit card, call 800-357-6246.

Get more login help.

Go to the App Store or Google Play to download the HSA Bank app. The app offers 24/7 access for all your account needs. In the app you can check your account balance, view activity, enter and track expenses, make a payment, file a claim and more.

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Log in, and find the balance of your account(s) on the Summary page.

Call 800-357-6246 immediately if your card is lost or stolen, or promptly follow these steps to cancel your existing card and request a new card. To order a replacement card for any other reason, follow the applicable steps.

Log in, go to Settings, Debit Cards, Manage Account, Order Replacement, review information, Submit. This will cancel your current card and initiate the card replacement process.

Your replacement card should arrive within 10-14 days.

Log in, go to Settings, Linked Accounts, Manage Account, Add Bank Account, fill in the fields, Submit.

HSA Bank will then send a small deposit to your external account within three (3) business days to verify your banking information.

Validate your banking information using these steps once your account has the deposit: Log in, go to Settings, Linked Accounts, Manage Account, Bank Account Information, Activate.

You can add dependents to your account to track expenses for the qualified individuals you pay healthcare expenses for.

Log in, go to Settings, My Profile, and complete the dependent section.

Log in, go to Resources, Account Summaries, and download the document or summary you want to view. Select the print icon if you want to print the document.

You can also view or change your notification delivery method preference for account summaries, tax forms and certain bank disclosures and notices. Go to Settings, Preferences, Edit Notification Preferences.

The HSA Bank routing number is 075907947.

Log in, go to Settings, Preferences, Edit Notification Preferences, Update Notification Preferences, check the box(es) of your preference, Submit.

Choose online only preferences by following these steps: Log in, go to Settings, Preferences, Edit Notification Preferences, Update Notification Preferences, I would like to Go Paperless, Submit.

Review and sign up for email and/or text alert options to help you monitor and safeguard your account.

Log in, go to Settings, My Profile, HSA Info.

Complete the authorized signer section. You’ll be asked to provide information about your authorized signer, including their Social Security number and birthdate.

Please note: An authorized signer must be 18 or older. Authorized signers have access to the account and serve as an agent for your HSA. This person can make contributions, request distributions and handle other account-related activities.

Log in, go to Settings, My Profile, select Edit. You’re able to edit your address, phone number, email and marital status.

If your contact information is locked, you may need to update your information with your employer or insurance provider. Once updated, it will carry over to your account with us, although it may take a few weeks to display in your account.

Order a card: Log in, go to Settings, Debit Cards, Manage Account, Order Replacement, review information, Submit.

Replace a lost/stolen card: immediately call 800-357-6246.

Get assistance with your account: call 800-357-6246. 

Log in, go to Settings, My Profile, HSA Info.

1. Payroll deduction – If you have an account through your employer, you may be able to make pre-tax contributions to your HSA from your paycheck. Contact your employer for more information about this option.

2. Online transfer – You can contribute to your HSA from your bank account on the HSA transaction page of the online account. Log in, go to Contributions, Make Contribution and create your transaction.

Add a bank account to make a transfer from a new account (refer to these steps).

3. Check or money order – Mail your payment along with a completed copy of the HSA Contribution Form to:
HSA Bank
P.O. Box 251
Sheboygan, WI 53082-0939

You can find the HSA Contribution Form in the Resources section of your online account.

4. Transfer or rollover – IRS regulations permit the transfer or rollover of funds to an HSA from an existing HSA or MSA (Medical Savings Account). Visit hsabank.com/transfer to learn more about how to consolidate your HSAs or transfer funds.

The IRS sets limits each year for maximum contributions. View current IRS contribution limits.

Log in, go to Settings, My Profile, HSA Info and complete the beneficiary section. You’ll be asked to provide information about your chosen beneficiary, including their Social Security number and birthdate.

What you need to know:

Your choice of beneficiary makes a big difference in how your HSA is treated after your death.

If you don’t designate a beneficiary for your HSA before you pass away, the assets in your account are distributed to your estate and included on your final income tax return.

If your spouse is your designated beneficiary, your account remains an HSA, and your spouse will become the owner. They can use the money tax-free for qualified healthcare expenses — even if not enrolled in an HSA-eligible health plan. Should your spouse be younger than 65, take a distribution of funds and use them for something other than qualified expenses, they’ll pay a 20% penalty tax on the amount distributed plus income taxes.

If someone other than your spouse is the designated beneficiary, your HSA will end on the date of your death. Your beneficiary will receive a distribution and the fair-market value becomes taxable income to the beneficiary. However, there’s one exception to the rule. Your beneficiaries have up to one year after you die to use the money tax-free for any eligible healthcare expenses you incurred after you opened the account, as long as you keep the receipts and the expenses weren’t already reimbursed by the HSA.

If you have a spouse and don’t designate them as primary beneficiary, you may be required to submit a beneficiary form with the notarized consent of your spouse. The form is available in your online account under Resources.

_{This content is provided for informational purposes only and isn’t intended as tax or legal advice. HSA Bank doesn’t provide tax or legal advice. Please consult with a qualified tax or legal advisor if you need advice regarding your specific situation.}

View current IRS contribution limits.

IRS contribution limits for individual and family plans typically increase every year. Plus individual accountholders 55 and older can make an additional $1,000 catch-up contribution. Eligible spouses over 55 can only make catch-up contributions to their account.

1. You can pay for an expense with your external personal account or with a credit card and then reimburse yourself. Schedule HSA transfers online or on the app. There’s a daily transfer limit to safeguard against fraudulent activity, so amounts over this require multiple transfers.
2. You can work with your provider to make debit card payments over multiple days.
3. You can use our online bill pay system to pay a provider. Log in, go to Manage Expenses, select the expense you want to pay. There’s no daily limit to pay a provider.
4. You can pay with an HSA Bank check. Log in, go to Settings, Linked Accounts, Manage Account, Order Checks.

Please note: Your transactions are limited to your available cash balance.

Your HSA Bank Benefits Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs. Your debit card has a daily limit at merchants dedicated to healthcare (e.g., a doctor’s office or hospital) and a separate daily limit at merchants that aren’t healthcare specific but offer eligible medical products and/or services (e.g., a department or grocery store). The number of debit card transactions allowed per day is limited and varies based on how the card is used or types of transactions processed. These limits exist as a safeguard against fraudulent activity. Call the number on the back of your debit card for more information. If you don’t have a debit card, call 800-357-6246.

1. Reimburse yourself online: Log in, go to Manage Expenses, Add Expense/Pay Provider, enter details about the expense, select Reimburse myself, then Submit.
2. ATM distribution: You can use your Benefits Card at an ATM to reimburse yourself for eligible expenses paid out of pocket. When you distribute HSA funds from an ATM select the "checking" option (not savings) when asked the type of account.
3. Checks: Use your HSA Bank checks to reimburse yourself for an IRS-qualified healthcare expense already incurred. Simply write a check from your HSA to yourself and deposit it into your external personal checking or savings account. Need more checks? Log in, go to Settings, Linked Accounts, Manage Account, Order Checks.

Log in, go to Manage Expenses, Add Expense/Pay Provider, enter expense details including your receipt, select Reimburse myself, then Submit. 

Log in, go to Manage Expenses, Add Expense/Pay Provider, enter expense details including your receipt, select Pay someone else, enter payee details, then Submit.

Find out when you need to spend funds (Final Service Date) and submit for reimbursement (Final Filing Date) in your online account. Log in, go to the Summary page and find your Final Service Date and Final Filing Date under Plan Dates.