Doctor meeting with a patient.


Get well - and stay healthy - with funds from a special savings account

Everyone knows about the high cost of health care.

But not everyone is aware of the many advantages of a Health Savings Account. You can easily set aside money for future care - everything from doctor visits and hospital stays to dental work and vision exams. You can earn interest on deposits over $1,000. And you enjoy tax benefits that stretch your treatment dollars even further.

  • Designed for individuals and families with high-deductible medical plans
  • Contribute up to $3,850 annually for individual coverage and $7,750 for family coverage; those over age 55 can contribute $1,000 extra
  • Contributions made with pre-tax dollars; interest income and qualified withdrawals are tax-exempt*
  • Earn interest on balances over $1,000; tiered rate structure means bigger balances can earn higher rates.
  • $50 opening deposit required, plus $20 set-up fee
  • $3 monthly fee if balance falls below $2,500
  • Access funds through a special HSA Mastercard® Debit Card, Online and Mobile Banking, or at Farmers State Bank locations and ATMs
  • You keep ownership and control of account, even if contributions are made by your employer
  • Funds roll over from year to year - there's no need to worry about using up the balance by year’s end

*Consult your tax adviser about the tax benefits applicable to Health Savings Accounts.
*10.00 fee for 25 checks.
*Variable rates may change after account opening.

Family on their bed looking out the window.

The Smart Choice

At FSB, we can help you simplify.

What's the easiest way to manage your money? Let us count the ways. Open a Simply Free Personal or Business Checking account and get a FREE gift*.

See Our Checking Accounts