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Health Savings Account

Our hope is to help you thrive.

thrive through thick & thin

Are you currently enrolled in a high-deductible health plan (HDHP)? If so, you can use a Health Savings Account (HSA) from Reliant to save for current and future expenses.

  • Zero Fees

    Enjoy no monthly or annual fees. And use your HSA Visa debit card to pay for your health care expenses, fee-free.

  • HSA Visa Debit Card

    It’s easy to use your Reliant HSA to cover medical costs. Your debit card will work anywhere Visa is accepted, including ATMs.

  • Spend & Save

    Your HSA combines the best of both worlds. Spend from it like a checking account, while earning dividends on tax-free savings.

basics of a health savings account

An HSA is a tax-favored checking account, which means you (or your employer) can contribute to it on a pre-tax or tax-deductible basis. Basically, the more you put in, the less you pay in taxes.*

The money you save in this type of account is designated for eligible medical expenses. You can spend it whenever you choose to: right away or years from now. Even if you get your account through an employer and later end up leaving that job, your HSA is yours to keep.

At Reliant, we make it easy to manage your HSA. Sign up for online banking or download our mobile app, and you’ll have access to your money anytime, anywhere.

To be eligible to open an HSA, you need to be covered by a high-deductible health plan. You can’t be enrolled in another health plan (though there are limited exceptions) or in Medicare, and you can’t be claimed as a dependent on another person’s taxes.

2024 HSA Contribution Limits

  • Self-Only Coverage: $4,150
  • Self-Only Coverage (if age 55 or older): $5,150
  • Family Coverage: $8,300
  • Family Coverage (if age 55 or older): $9,300


A Health Savings Account (HSA) offers a tax-favored way for you to save and pay for healthcare expenses if you have a high-deductible health plan (HDHP). A Reliant HSA is a checking account that allows you and/or your employer to contribute funds1 on a pre-tax or tax-deductible basis. You may then use those funds to pay for current or future eligible medical expenses. Learn more about HSAs from the IRS.

You can withdraw funds to pay for qualified medical expenses using a Reliant HSA debit card, checks, online bill payer, or by visiting a branch. You and/or your employer can make contributions through direct deposit, and you can make additional contributions by visiting a branch.

Any family member who is on your high-deductible health plan can be added to your Health Savings Account as an authorized signer and have a debit card (if aged 16 or older).

You can access HSA funds2 with a Reliant HSA debit card, checks, online bill payer, or by visiting a branch.

Not sure if your plan is HSA compatible? Ask your health plan representative.

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* Consult your tax advisor.

1 The maximum amount you can receive in contributions to your HSA each year depends on whether you have self-only or family HDHP coverage.  These limits are subject to annual cost-of-living adjustments.

2 The HSA account holder is responsible for funds going out of the account and must keep sufficient records to show that the distributions were used to pay or reimburse qualified medical expenses. This includes most medical, dental, and vision expenses. Reliant files required annual information returns with the Internal Revenue Service (IRS) for all HSA accounts.

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