Health Savings Account Fee and Interest Rate Schedule


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Health Savings Account Fee and Interest Rate Schedule

HEALTH SAVINGS ACCOUNT FEE
HSA Bank wants you to understand the fees associated with your HealthSavings Account (HSA). For details regarding the general terms and conditions that apply to your HSA, see the Health Savings Account Custodial Agreement and Disclosuresfor Health Savings Accounts.

Service Fees1 Description
HSA Service Fee
HSA Closure Fee

Amount $1.75
$25.00

Important Fee Information To avoid this monthly fee, maintain an average HSA Bank cashaccount daily balance at or above $3,000.2 To avoid this fee, keepyour account openwith HSA Bank and continue to use your HSA funds for eligible expenses.

1 You may incur a lesser service fee than disclosed to you when your account has insufficient funds to cover the entire amount of the fee. 2 The balance waiver amount reflects the minimum average daily balance that must be maintained in the HSA Bank cash account balance for the calendar month to prevent the HSA service Fee from being charged. Only funds in the HSA Bank cash account balance are included in the balance waiver amount for the HSA Service Fee no other balance will be considered. The balance waiver amount does not include any investment balance **. ** Investment accounts are not FDIC insured and they are not guaranteed. Investment accounts are not a deposit, or an obligation of HSA Bank, and they may lose value.

INTEREST RATE SCHEDULE
Minimum Account Balance and How We Determine the Interest Rate
No minimum account balance is required to opena Health Savings Account or to obtain the annual percentage yielddisclosed. We use the daily balance methodto calculate the interest on your account. The daily balance methodapplies a daily periodic rate to the principalin the account eachday. Interest is compounded monthlyand creditedmonthly. Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). The interest rate and annual percentage yield(APY) is based on the balance in your account. If you close your account, interest that has accruedbut has not yet posted will not be paid.
The interest rate and annual percentage yieldavailable on your account is as follows, effective as of September 1, 2021.

Daily Balance $25,000 or more $5,000.00 - $24,999.99
Less Than $5,000.00

Interest Rate 0.15% 0.05%
0.01%

APY 0.15% 0.05%
0.01%

This interest rate is subject to change at our discretion at any time. Fees may reduce your earnings.

Fees_Simplified 1.75 3000BW_Close Only_C_080921

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Health Savings Account Fee and Interest Rate Schedule