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Health Savings Accounts

Health Savings Accounts are used for the purpose of health care expenses when linked with a high-deductible health plan. HSAs can help you manage your health care coverage and money. Account holders may contribute tax-deferred funds up to IRS annual limits. This account can be used to pay for medical prescriptions, co-payments, deductibles, eyeglasses, contact lenses or any other qualified health care expense. All the funds contributed for the year will roll over to the following year and thereafter, as long as the account remains open.

Oak Valley & Eastern Sierra currently offer three types of HSAs: HSA Checking, HSA Savings and HSA Liquidity. You must also be covered by what the IRS considers a high deductible health plan (HDHP) and not be covered by another primary health plan to be eligible to open an HSA. Consult your employer or tax advisor to see if you have an HSA healthcare plan option available for you.

HSA Checking
  • Interest bearing
  • Low $100 minimum opening balance
  • $500 minimum balance to earn interest
  • Unlimited check writing
  • Unlimited ATM/Debit Card use
  • $2.50 monthly service charge1
  • eStatements available at no charge. Paper statement available for $3 per month.1
  • $15 one-time set-up fee
 

Rates & Fees

1- Waived if you have a non-HSA personal checking account or if you maintain a combined average daily balance of $10,000 or more in all deposit accounts on which you are the owner of the funds.


HSA Savings
  • Interest bearing
  • Low $100 minimum opening balance
  • $500 minimum balance to earn interest
  • $2.50 monthly service charge1
  • eStatements available at no charge. Paper statement available for $3 per month.1
  • $15 one-time set-up fee
 

Rates & Fees

1- Waived if you have a non-HSA personal checking account or if you maintain a combined average daily balance of $10,000 or more in all deposit accounts on which you are the owner of the funds.


HSA Liquidity
  • Interest bearing
  • Low $100 minimum opening balance
  • $500 minimum balance to earn interest
  • Earn higher interest rate than available on HSA Checking or Savings
  • $4.00 monthly service charge1
  • eStatements available at no charge. Paper statement available for $3 per month.1
  • $15 one-time set-up fee
 

Rates & Fees

1- Waived if you have a non-HSA personal checking account or if you maintain a combined average daily balance of $10,000 or more in all deposit accounts on which you are the owner of the funds.

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