Save money on your healthcare costs by paying with Pre-Income-Tax dollars from your Health Savings Account.


  • Prepare for current and future qualified medical expenses
    • Created for people with high-deductible health plans who meet the qualifications*

  • Greater personal control over healthcare management and expenses
    • Owned by you

    • No minimum deposit to open

    • Unused funds remain in your account

  • Earn competitive interest on entire balance
    • Earn competitive interest on entire balance

  • Low (or no) fees
    • Paper statements fee of $3.00** is waived by enrolling in free eStatements

*Account Requirements

To open the account:

  • Must be enrolled in a high deductible health plan
  • Not covered by any other health plan that is not compatible with an HSA
  • Not enrolled in Medicare
  • Not claimed as a dependent

**Paper statement fee does not apply to ages 55 and up and ages 18 and under.

Getting Started with an HSA

Do you know how an HSA can help you stay one step ahead of medical expenses – and enjoy tax advantages along the way? In this video, we walk you through best practices to help you make the most of this powerful account.

Is an HSA right for you?

While we can’t tell you if a high deductible health plan is right for you, we can share resources to help you make an informed decision.

Read Article

Health Savings Account Contribution Limits


  • Individual: $3,650
  • Family: $7,300
  • Catch-Up (age 55+): $1,000


  • Individual: $3,850
  • Family: $7,750
  • Catch-Up (age 55+): $1,000


  • Individual: $4,150
  • Family: $8,300
  • Catch-Up (age 55+): $1,000

Contact a Fortifi Bank personal banker to discuss making a prior year (2022) contribution.


Eligible individuals covered under high-deductible health plans may open an HSA and use the money tax-free (including earnings) to pay for qualified medical expenses.

In general, you may contribute to an HSA if the following statements are true:
  • I am or will be covered by a qualified High Deductible Health Plan (HDHP)
  • I am not covered under any other health plan that is not compatible with a Health Savings Account
  • I am not enrolled in Medicare
  • I may not be claimed as a dependent on another person’s tax return

There are no eligibility restrictions regarding income level, and there is no requirement of earned income to make contributions. Please consult your tax advisor for guidance on your HSA eligibility.

Ready to Stay One Step Ahead of Medical Expenses?

Contact Us Today to Open an Account!

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