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Health Savings Accounts - Overview

A Health Savings Account (HSA) is a type of personal savings account available to employees covered by qualified high-deductible health plans (HDHPs). The account is designed to help them save money for many out-of-pocket medical expenses like doctor visits, vision and dental care, and prescriptions.

Account Options

 Feature  No Fee Health Savings Account1 Health Savings Advantage 
  Open No Fee Health Savings Account Now Open Health Savings Advantage Now 
 Minimum Balance to Open  $1002  $1002
 Monthly Service Charge  $0 $2.95 
 Minimum Balance To Avoid Service Charge  $0 $0 
 Balance Threshold for Investments 3 NA 

$2,500.00 (funds in excess of $2,500.00 can be invested with a select group of mutual funds)

Earns Interest Yes Yes
Interest Compounding frequency Monthly   Monthly
Minimum balance to earn interest $0.01 $0.01
ATM Access N/A N/A
Monthly Service Charge for Optimal Check Imaging $0 $0
Qualified Medical Expenses

Expenses incurred by the account beneficiary and his or her spouse and dependents; COBRA premiums; Health insurance premiums while receiving unemployment benefits; Qualified long-term care premiums; and any health insurance premiums paid, other than for a Medicare supplemental policy, by individuals age 65 or older. This list below provided by is not all-inclusive. Qualified medical expenses include:

  • Ambulance
  • Annual Physical Examination
  • Artificial Limb
  • Artificial Teeth
  • Bandages
  • Body Scan
  • Braille Books and Magazines
  • Capital Expenses
  • Chiropractor
  • Contact Lenses
  • Crutches
  • Dental Treatment
  • Diagnostic Devices
  • Disabled Dependent Care
  • Expenses
  • Drug Addiction
  • Drugs
  • Eye Exam
  • Eyeglasses
  • Eye Surgery

 Click here to Visit the IRS Website for a complete list of qualified and non-qualified expenses 

Review our Frequently Asked Questions  FAQ
   Open No Fee Health Savings Account Now Open Health Savings Advantage Now 


Learn More About Health Savings Accounts
View our Health Savings Account overview video below and Visit our Help Center for Forms, Resources, Tools and FAQs.

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Contact Us

Call our Contact Center at 1.877.908.6555 today or e-mail us at to learn more about Health Savings Accounts.


1 - No fees associated with the set up or monthly maintenance of the HSA account. Please see personal fee schedule for any ancillary fees that may be associated with your account.
2 - Inland HSA will work with Employer Groups who are using payroll contributions for employee accounts.
3. Funds in excess of $2,500.00 can be transferred to a select group of mutual funds. Participation in the Health Savings Account (HSA) investment options is voluntary and requires a separate agreement with myHSAinvestments. Neither Inland Bank and Trust nor its subsidiaries (collectively "Inland Bank") are parties to that agreement nor are they affiliated with myHSAinvestment. Any fees charged by myHSAinvestments are in addition to fees charged by Inland Bank. Investors should carefully read the Fund prospectus, which includes information on the Fund's investment objectives, risk, as well as charges and expenses along with other information, for each Fund before investing or sending money. Once you transfer funds to your HSA ADVANTAGE investment account, they become subject to your agreement with myHSAinvestments.  Funds in the investment portion of your HSA ADVANTAGE account are not FDIC insured, May Lose Value and are Not Bank Guaranteed. Inland Bank is not a registered investment advisor nor is Inland Bank acting in the capacity of a registered investment advisor with respect to the offering of HSA investment options. Under no circumstances is Inland Bank offering any of the HSA investment options and makes no representations with respect to the investment options offered. Inland Bank disclaims any and all liability, contingent or otherwise, for the performance of the HSA investment options. Please see your financial advisor for personal investment advice.


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