Welcome to First International Bank & Trust!

A Health Savings Account (HSA) is a tax-favored savings account created for the purpose of paying medical expenses. An HSA offers many benefits including:

  • Tax-deductible. Contributions to the HSA are 100% deductible (up to the legal limit).
  • Tax-free. Withdrawals used to pay for qualified medical expenses are never taxed.
  • Tax-deferred. Interest earnings accumulate are tax-deferred, and if used to pay for qualified medical expense are tax-free.
  • HSA money is yours to keep. Unlike a traditional Flexible Spending Account (FSA), unused money in your HSA isn't forfeited at the end of the year. It continues to grow, tax-deferred. 


HSA Checking Account

Ideal if:

You have a high deductible insurance plan. You are not eligible to open an HSA Account if you're health coverage is not a HDHP. 

Monthly Service Charge:

$0 for the first year; $3/month service charge if balance falls below $2,500.

Interest Compounded/Posting Frequency: Monthly
Online Banking Access:


Mobile Banking Access:

Free, with apps in the iTunes and Google Play App Stores; Access to free Mobile Check Deposit feature within the apps.

Bill Pay Options:Free, included and available in Online and Mobile Banking.

Our online Health Savings Account application will take approximately 10 minutes to complete.


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