Online Banking

Personal Banking
Checking Accounts
Savings & CDs
Loans & Credit Cards
top questions
What tax-deferred savings products are available?
Can I use a debit or ATM card with my savings account?
learning tools
customer service
Got A Question? 
Live Help Available
7:30 a.m. - 6:00 p.m. M-F
8:00 a.m. - 1:00 p.m. Sat
Automated system is
available 24 hours
Locate an office or ATM 
More Customer Service Info


A Health Savings Account (HSA) gives individuals with high-deductible health plans with their employers the ability to save money for current and future medical expenses. 

Benefits of an HSA include:

  • Lower costs - Insurance premiums are generally lower with high-deductible plans.
  • Tax Benefits - Contributions to an HSA are either pre-tax or tax-deductible and interest earned on the account is tax-deferred. Withdrawals for qualifying medical expenses are income tax-free.
  • Rollover Capabilities - Unlike Flexible Savings Accounts, with HSAs, if money is not used, it can be saved for future years.
  • Simplicity - Money for medical expenses can be accessed through one account by using a check or debit card.

HSAs can be opened for as little as $100 for the current year, or $0 for the next year. There is a one-time set-up fee of $25, with reduced fees available for employer HSA partners. Talk to a representative to see if you're eligible for a reduced fee.

Our HSAs offer these benefits:

  • No transaction, monthly or annual fees
  • 50 Free HSA checks
  • Free debit card
  • Free AnchorBank ATM access
  • Tiered interest rates

See our rates table for current rates or contact us for additional information.

401k Rollover Sm Ad 0616

ONI Life Insurance 0816 Sm