Health Savings Account (HSA)

Per IRS Publication 969, to be an eligible individual and qualify for an HSA, you must meet the following requirements.

• You are covered under a high deductible health plan (HDHP).
• You have no other health coverage except what is permitted under Other health coverage
• You aren’t enrolled in Medicare.
• You can’t be claimed as a dependent on someone else’s tax return.

The amount you can contribute to your Health Savings Account (HSA) depends on the type of high deductible health plan (HDHP) coverage you have, your age, the date you become an eligible individual, and the date you cease to be an eligible individual. The IRS publishes updated amounts each year.

For 2025, if you have self-only HDHP coverage, you can contribute up to $3,600. If you have family HDHP coverage, you can contribute up to $7,200.

We do not have an online application for Health Savings Accounts (HSA) at this time.

Please visit a branch or call our Contact Center at 520-794-8341 to open a Health Savings Account. 

• Use your Health Savings Account Visa debit card.
• Use Bill Pay available in Online and Mobile Banking.
• Write a check.
• Call our Contact Center at 520-794-8341 or visit a branch to sign an HSA Withdrawal form. 

The easiest way is through a direct deposit using our routing number 322174944 and your member number plus ‘06’ at the end (Example: 11111106). You can also visit a branch or call our Contact Center at 520-794-8341 to sign the required HSA Contribution form.

Yes! We issue you a Visa debit card.

Yes! You can authorize other dependents on your plan to be issued a Visa debit card.