Health Savings Account - Stephenson National Bank & Trust

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Employee Rewards

Easily access funds to pay for qualified medical expenses
Funds stay with you even if you change employment
Schedule regular deposits to save automatically
Pay for qualified medical expenses in a tax-advantaged way from your Debit Card.

Support your employees and relieve them of the financial pressure of healthcare costs
Tax deduction for contributions
Attract and retain employees by providing expanded employee benefits
Lower overall health insurance costs by switching from a low to a high deductible health plan

To be eligible for an HSA, all of these statements must be true:

Covered by an HSA-eligible high deductible health plan (HDHP)
Not covered by a non-HDHP that provides coverage for any benefit also covered under the HDHP
Not enrolled in Medicare
Not eligible to be claimed as a dependent on another person's tax return

Overdraft Protection:
- Transfers money from another deposit account into your checking account.
- A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
Overdraft Consideration:
- We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
- An overdraft charge may apply for this discretionary service.
- Available in addition to the overdraft services listed above.
- Learn the details of Overdraft Consideration
Debit Card Overdraft Consent Service:
- May help you avoid having your transactions automatically declined.
- Applies only to ATM and everyday Debit Card transactions.
- An overdraft charge may apply if this service is used to complete your transaction.
Learn more about overdraft services here.

Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.

Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.