Products and Services > Health Savings Account 
HSAs are the latest news in affordable health care. Anyone who has a High Deductible Health Plan (HDHP) is eligible for an HSA, regardless of age or income bracket. Maximize your health care dollars with a Health Savings Account from NBT Bank and enjoy the following convenient features:
| FEATURE | DESCRIPTION |
| Minimum to open | None |
| Monthly minimum balance required | None |
| Interest-bearing checking | Yes |
| Debit card | Free HSA debit card for easy account access* |
| Checks | Free (Limited to special design checks,that include a supply of deposit tickets) |
| Monthly maintenance fee | $2.50 |
| Online Banker | Free Pennstar Banker Online Access and $4.50 for Bill Pay** |
| Set-up fee | One-time fee of $35 |
| Monthly statement | Portfolio statement that will detail the Health Savings Account and other Pennstar Bank accounts you may have. |
| Easy Account Access | 24 hour access through our Pennstar Banker Line (1-866-4STAR-PA) |
Investment Option — HSA Certification of Deposit |
Invest unused dollars from your Health Savings Account
|
Consult your tax advisor regarding the deductibility of HSA contributions and charges.
* No monthly usage or point-of-sale fees.
** A primary checking account attached to Pennstar Online Banker is required to have your Health Savings Account tied for Online Banker Access and/or Bill Pay.
* No monthly usage or point-of-sale fees.
** A primary checking account attached to Pennstar Online Banker is required to have your Health Savings Account tied for Online Banker Access and/or Bill Pay.
 |
Easy payment and account access with your Health Savings Account Card. |
Did you know?
- HSA contributions may come from pre-tax income.
- Withdrawals from your HSA are used to pay for qualified medical expenses.
- HSA balances carry over from year to year, building savings for medical needs over time.
- Your accumulating HSA balance gains tax-free interest until retirement at age 65. You may withdraw funds upon retirement and pay only normal income taxes.
- An HSA is owned by an individual, not a company or your employer. It does not terminate when employment ends. It is yours.
- HSA funds can eventually be used to pay for elder care or long-term care. You can even use HSA funds to purchase long-term care insurance, tax-free.
Member FDIC | 
Equal Housing Lender | Copyright 2008 © NBT Bancorp All Right Reserved
Equal Housing Lender | Copyright 2008 © NBT Bancorp All Right Reserved