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Use a health savings account to take control of your financial health

Pay for qualified medical expenses, save for retirement … even save for long-term care


Is an HSA right for you? Watch this 5-minute video.

You’ll learn:

  • How you can use an HSA to pay for qualified medical expenses, save for retirement … even pay for long-term care expenses.
  • 3 ways you save on taxes* with HSAs.
  • 3 criteria that determine whether you’re eligible to enroll.
  • How you can spend your HSA savings.

Get started.

Millions of Americans are tapping into the power of health savings accounts and taking control over the dollars they spend and save for medical expenses. If you’re ready to start, just click “Open an HSA” to provide the following:

  • Answer 4 quick questions to determine if you are eligible to open an HSA
  • Fill out the application on our secure website
  • UMB will then review and approve your application. Once accepted, you will receive a welcome packet in the mail with all of your account details.

Monthly Fees: No monthly fee on your HSA deposit balance if the balance is $3,000 or more, or $2.95 if your average balance is less.
Download full details (PDF).

* States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions. If you have questions about your tax implications, consult your tax advisor.