Health Savings Account (HSA)

Health Savings Account

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Our health savings accounts (HSA)s are tax-advantaged accounts that help you save for healthcare and medical expenses. Make deposits and earn interest tax-free until you need it. Withdraw funds to pay doctor bills, prescriptions, and other approved expenses.

Benefits & Features of HSAs

  • Qualified high deductible health plan required
  • One-time setup fee 
  • $50 minimum balance to open
  • Earn interest with $50 minimum balance
  • Earn compound interest monthly
  • No monthly or annual fees

The annual contribution limit is based on the type of high-deductible health plan (HDHP) coverage. For the current year coverage limits, visit

Contribution limit may be reduced by partial-year eligibility, MSA contributions, and family coverage rules for married couples. These limits are subject to annual cost-of-living adjustments (COLAs).

FNBT Health Savings accounts are available throughout Southern Wisconsin and Northern Illinois. Contact us to open a Health Savings Account or visit us at any of our convenient locations in Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL. 

Sound good?

Although this is an individual account that moves with you from career to career, your employer may choose to make contributions as an added benefit to you.

Annual contributions are limited to the high-deductible health plan's annual deductible. Individuals age 55 to 64 can make additional yearly contributions to help save for the future.

*Consult your tax advisor.