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Home > Banking > HSAs

Health Savings Accounts (HSAs)

Open a Citizens State Bank Health Savings Account (HSA) in conjunction with a high-deductible health plan and have more control over your healthcare dollars!

The Citizens Health Savings Account (HSA) is a special account held by an individual to pay for current and future medical expenses. The account holder must couple their HSA with a qualified high deductible health plan (HDHP). The Citizens HSA operates like a checking account and you will receive or have access to:

• Monthly Statements

• Internet Banking

• Check Card

• Basic Checks

• Check Images / Image Statements


You can save the money in your account for future medical expenses and build it year to year. There is no "Use it or lose it" with a Citizens HSA. Plus the account is interest bearing.


You can use your Citizens HSA funds to pay for qualified medical expenses. That could be over-the-counter medications and out-of-pocket expenses to co-payments at the doctor's office.


The Citizens HSA is yours, not your employer's. You control the account. If you switch jobs—no problem, your HSA remains with you.


You may receive tax deductions when you contribute to your account, tax-free earnings through investment, plus tax-free withdrawals for qualified medical expenses.


You decide how much you want to put into your Citizens HSA. You also control which medical expenses to pay from the account.

Contact a Customer Service Representative at the branch nearest you to learn more.

Eligibility limitations may apply.

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