Health Savings Accounts (HSA)

Savings for your financial well-being.

Designed to help you save for qualified medical and health expenses on a tax-advantaged basis, participating in a Health Savings Account (HSA) means you will be prepared for medical events. Plus, experience the benefits of tax-deductible contributions and tax-free earnings and withdrawals along the way1. Please consult your tax advisor.

A minimum of $25.00 is required to open the account. eStatement enrollment is required to avoid a $3.00 paper statement fee.

Why Choose an HSA?

  • Tax-Free1 

    Not only are contributions to your account tax-deductible, or tax-deferred if made by your employer, any investment earnings and withdrawals for qualified medical expenses are also tax-free.

  • Fully Portable

    Whether you change jobs or become self-employed, your account stays with you.

  • Convenient

    Your HSA with Rocky Mountain Bank, a division of HTLF Bank earns interest and comes with a Visa Debit Card for your convenience in paying for doctor fees, prescriptions and other medical expense purchases.

Contact a Personal Banker or visit a local banking center to get started.

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1All mention of taxes is made in reference to federal tax law. Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice. States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions. Please check with each state’s tax laws to determine the tax treatment of HSA contributions, or consult your tax adviser.