First National Bank of Ames - Personal Banking - Health Savings Account (HSA)

HEALTH SAVINGS ACCOUNT (HSA)
Join us for a HSA Seminar on Thursday, August 28th at 12:00 p.m. at First National Bank, 405 5th Street, Ames. Guest Speaker, Jolene Mennenga, will help you understand the benefits of a HSA. Please RSVP to Casey Rath at 515-663-3093 or email Casey.Rath@FNBames.com.

A Health Savings Account (HSA) from First National Bank combined with a High Deductible Health Plan from your insurance provider can reduce healthcare costs, and provide you with a tax-advantaged, lifetime medical savings account.

The Benefits of owning a HSA:

Long-term Savings: HSA funds roll over from year to year and always belong to you, growing tax deferred. Funds can be used for medical expenses and at the age of 65 can be withdrawn penalty free for any reason.
Convenient: An FNB debit card can be used to pay medical expenses at the point of service. You can take advantage of direct deposit to transfer money to your HSA.
Control: HSAs give you greater freedom when making healthcare choices. You can also decide how much and when you want to contribute to your HSA.
Tax Savings: HSA deposits are tax deductible and can be used to pay for medical expenses at any time. We recommend that you consult a tax advisor for details.

First National Bank HSA Features:

No Set Up Fee
No Annual Fee
No Monthly Maintenance Fee*

*If the balance is below $500, there is a $5 fee

Interest earned Monthly with a Tiered Rate
Free Debit Card
Free Online Statements
Free Online Access
Minimum Opening Balance $100

>>Frequently Asked Questions

For more information contact Lauri Werner at
515-663-3011 or email cd-ira@fnbames.com

Further information can be obtained through the United States Department of the Treasury website at www.ustreas.gov/offices/public-affairs/hsa

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