Take charge of your health care with a Health Savings Account from National Bank.

A Health Savings Account (HSA) is an account established by an individual to pay for medical expenses in conjunction with a high deductible health insurance policy. HSAs allow you to pay for medical expenses on a tax-favored basis.  Contributions are tax-deductible and eligible distributions are tax-free.

You control the money in your HSA.  You can use it to pay for eligible medical expenses for you or your family tax-free.  Money you do not spend can carry forward to future years.  You can even use the money penalty-free after age 65 for any purpose you want.

HSAs are offered in conjunction with a high deductible health insurance policy.  The high deductible policy provides protection against major medical expenses.  The HSA is used to pay for day-to-day medical expenses.

Your HSA works just like a regular checking account. You can either write a check or use your debit card to pay for qualified medical expenses. Statements can be mailed or viewed online, and you'll receive a year-end report for tax purposes. Your account features:

• Interest-bearing checking account
• FDIC insured
• $25 minimum opening deposit
• Free Visa® Check Card
• No monthly minimum balance requirement
• Monthly statements
• Checks optional-printing fee varies according to style of checks ordered
• Free online account access