Health Savings Account (HSA)

A dedicated, tax-free way to save for healthcare expenses.


Free Online & Mobile Banking


Free eStatements


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Looking for a better way to save for your healthcare needs?

If you carry a high-deductible health insurance plan, a Vista Bank Health Savings Account (HSA) may be the smart choice.

Helping you save for both planned and emergency medical expenses, a Vista HSA account comes with many benefits and features. And, contributions can be made by you, your employer, or any other person.¹

Account Benefits

  • Tax-free withdrawals when funds are used for qualified medical expenses. Click here to learn more about what the IRS considers a qualified expense.2
  • Earn interest on any balance
  • Contributions can be deducted on your annual tax return
  • Unlike a Flexible Spending Account (FSA), there is no deadline to use your money; funds roll over every year
  • Access your account via Online Banking or our Mobile App
  • Receive a debit card to conveniently pay for medical expenses
  • One box of checks provided annually at no charge
  • Monthly statements/eStatements

Account Eligibility

  • You must be covered under a high-deductible health plan (HDHP) that meets certain requirements concerning the deductible and out-of-pocket expenses;
  • You must not be covered under any insurance plan that is not an HDHP, including Medicare;
  • And you must not be eligible to be claimed as a dependent on someone else’s tax return.
  • Minimum balance requirements: Minimum to open an HSA is $100. A monthly minimum balance fee of $5 will be imposed every month if the daily balance on any day of the month falls below $1,000.
  • For annual HSA contribution limits please visit www.irs.gov

1. The total amount for the year from all sources may not exceed your annual contribution limit. Contributions may be made to your HSA during the tax year and up until the due date for filing your federal income tax return, not including extensions. Except for certain rollovers and transfers, all contributions must be made in the form of money (e.g. cash, checks, or money order). Contributions are governed by the IRS and are subject to change from year to year. 2. Vista Bank will not track which expenses are qualified. The client is responsible for recording expenses for tax reporting purposes. Any funds not used for qualified medical expenses may be subject to taxation per the IRS guidelines. Please visit https://www.irs.gov/pub/irs-pdf/p502.pdf for detailed information on qualified expenses.