Health Savings Account (HSA) - The tax-free way to save for medical bills.

An HSA Health Savings Account Gives You a Healthy Amount of Advantages

Help prepare for upcoming medical expenses with a Health Savings Account from Seacoast Bank. Build a health care nest egg while benefitting from tax-deductible contributions, tiered interest rates and more.

Seacoast Health Savings Account (HSA) Features:

Tax Advantages
  • Tax-free withdrawals1
  • An easy, tax-advantaged way to pay for qualified medical expenses.2
  • Tax-deductible contributions, up to the annual contribution limit
    (see IRS limits here)
Product Benefits
  • Tiered interest rates
  • Funds remain in HSA from year to year, you never lose it
  • HSA account stays even if you change jobs
  • Free electronic statements

To be eligible for an HSA, you must be covered by a high-deductible health plan3 and meet the following criteria

  • You must not be covered by any other health plan other than another high-deductible health plan
  • You must not be eligible to be claimed as a dependent on another person’s tax return
  • You must not be enrolled in Medicare
  • No minimum balance requirement
  • $0 monthly maintenance fee with e-statements (or $2 monthly maintenance fee with paper statements)
  • Consult with your health insurance provider or tax advisor before making contributions to your HSA

Open Your Personal HSA in Three Easy Steps

  1. Gather Your Info: We'll need your address, phone, email and social security number (or taxpayer ID).
  2. Fund Your Account: We'll need a bank account and routing number for your initial deposit.
  3. Done: We'll send you a confirmation email, then watch the mail for your debit card and checks.
Call 888.669.4142 >

Enjoy these standard features with all of our accounts:

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Allpoint® ATMs

Get cash fee-free at 55,000+ Allpoint® ATMs worldwide4. These ATMs are available for cash withdrawals and balance inquiries at retailers including CVS, Target, Walgreens, WaWa and more.
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Protection You Can Trust

Security is our top priority and substantial measures are in place at Seacoast Bank to protect your identity and your accounts against theft and personal fraud.

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Mobile Deposit

Deposit a check anywhere, anytime using the Seacoast Mobile Banking app on your smart device.

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Free Online & Mobile Banking

Our online and mobile banking options are fast, convenient, and secure. Pay bills, transfer money, check your balance, and more anytime, anywhere.

Have Questions? Speak with a Seacoast Banker

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Banker will be in touch soon.

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FDIC-Insured Retirement Savings

1. Distributions from your HSA used exclusively to pay for or reimburse qualified medical expenses of you, your spouse, or your dependents are excludable from gross income. In general, amounts in an HSA can be used for qualified medical expenses and will be excludable from gross income even if you are not currently eligible for contributions to the HSA. However, any amount of the distribution not used exclusively to pay for or reimburse qualified medical expenses of you, your spouse, or your dependents is includable in your gross income and is subject to an additional 20 percent tax penalty on the amount includable, except in the case of distributions made after your death, your disability, or your attainment of age 65. HSA distributions which are not rolled over will be taxed as income in the year distributed, unless they are used for qualified medical expenses. You may also be subject to state or local taxes and state withholding on your HSA distributions.

2. Qualified medical expenses are expenses paid by you, your spouse, or your dependents for medical care as defined in IRC Section 213(d) or as otherwise permitted by law, but only to the extent the expenses are not covered by insurance or otherwise. The qualified medical expenses must be incurred only after the HSA has been established.

3. Generally, a High Deductible Health Plan is a health plan that provides significant benefits and satisfies certain requirements with respect to deductibles and out-of-pocket expenses. For purposes of this HSA, a high deductible health plan is a plan with a minimum annual deductible and an out-of-pocket expense limit as defined by IRS Publication 969: (Publication 969 (2020), Health Savings Accounts and Other Tax-Favored Health Plans | Internal Revenue Service (

4. No Fees at Allpoint-logo ATMs. Worldwide includes the USA, United Kingdom, Canada, Australia, and Mexico.