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Personal Banking

Health Savings Accounts (HSA)


A Health Savings Account is a tax-exempt account established exclusively for the purpose of paying qualified medical expenses of you and your family.

Austin Bank is one of the few financial institutions in our market area to offer Health Savings Accounts at this time. We would like to work with you as an individual or as a group to provide you with the latest health care savings product available today.

Account Features

Checking Account
Your HSA will be deposited with Austin Bank. You will receive a monthly account statement, which details all deposits and withdrawals. If you have written checks, you will receive images of the checks with your statement. Your account balances are FDIC insured up to the limits imposed by the FDIC.

Austin Bank Check & ATM Debit Card
Your Check & ATM Debit Card can be used for your convenience to make qualified healthcare purchases anywhere MasterCard is accepted. Purchases will be automatically deducted from your HSA.

If you ordered HSA Checks, you will receive a special supply of Health Savings Account checks that can be used to pay for your qualified healthcare expenses

Interest Rates
Interest on your HSA accrues daily on the actual collected balance. Interest rate is set periodically and is paid quarterly.

Internet Access
Monitor your account balance and activity with Austin Bank Online Banking at Once your HSA is established, go to to sign up.

Telephone Banking
You will have toll free access to your account information 24 hours a day, 7 days a week, FREE at 1-888-758-2265 or 903-586-2265.

Health Savings Account (HSA) Requirements
  • Minimum to open: $100.00
  • Account Set Up Fee: $15.00 (one time fee)
  • Monthly Maintenance Fee: $5.00 if minimum balance is below $100.00