HSA checking
Take advantage of the benefits of an HSA checking account.
Enjoy tiered interest rates, no monthly fee1 and no minimum balance. Make sure you’re always prepared with health savings account (HSA) checking that helps you save for qualified medical expenses. It works in conjunction with your high deductible health plan (HDHP) to provide tax-deductible contributions2 and tax-free withdrawals when used for qualified medical expenses.
Make tax-deductible contributions
Carry your balance over from year-to-year
Stays with you, regardless of coverage changes
Account features.
Easy online access
Check account balances, transfer funds, pay bills and more from anywhere.
Convenient digital banking
Enjoy 24/7 access to your account through mobile apps, web browsing or text messaging.
Visa® debit card
Use your Visa® debit card to make qualified medical payments wherever Visa is accepted, plus add your card to your digital wallet or make contactless payments.
Global ATMs
Access over 70,000 surcharge-free OnPoint, CO-OP and MoneyPass ATMs.
Rates
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance to avoid service fees2 | Monthly service fee if below minimum balance2 |
|---|---|---|---|---|
Rates Effective: 03-04-2026 Learn more about HSA checking1 Annual percentage yield subject to change. | ||||
Deposit amount $0 - $24,999 | Interest rate 0.05% | Annual percentage yield1 0.05% | Minimum balance to avoid service fees2 N/A | Monthly service fee if below minimum balance2 N/A |
Deposit amount $25,000 and higher | Interest rate 0.05% | Annual percentage yield1 0.05% | Minimum balance to avoid service fees2 N/A | Monthly service fee if below minimum balance2 N/A |
Make managing your healthcare spending easier.
Get started today.
Open an accountStop by an OnPoint branch.
Find a nearby location or ATMApply at your local branch.
Schedule a branch appointmentDisclosures
- APY = Annual Percentage Yield.
- All rates are subject to change.
- Rates are variable and may change after the account is opened. Terms and conditions apply.
- Fees could reduce the earnings on the account.
- Membership is required and subject to approval; not everyone will qualify. Limit one Member Savings account per person.
- Compounding and Crediting. Interest will be compounded and credited as set forth on the Deposit Rate Sheet.
- All interest is compounded and credited monthly.
- $25 annual fee assessed on October 15.
- Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney for advice. For more information, please refer to the Membership & Account Agreement.
