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Welcome to HSA Trustee Services
Offering "No Monthly Fee" Health Savings Accounts since 2004

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HSA Trustee Services 

HSA Trustee Services offers Free Set Up, No monthly or annual fees, free debit card transactions, checking options and online banking.

Please contact us with your questions by EMAIL 

No Fee HSA program

1. HSA Tip: You need to open your HSA as soon as possible after purchasing a High Deductible Health Plan, as you can only reimburse yourself for qualified medical expenses incurred after you have set up your HSA, not as of the date you purchased your HDHP.  In other words, you may not reimburse yourself for bills incurred before you set up the HSA.

2. HSA Tip: No two people are going to use their HSA the same. Some people use it like a "forced savings account" meaning they pay for everything out of pocket and save their receipts, as you can always reimburse yourself anytime in the future for qualified expenses. Others use it every chance they get. How you will use the account should be considered when deciding which HSA is best for you.

3. HSA Tip: You have until April 15, 2026 to open and an HSA for 2025, but the funds must be in the account so don't wait until the last minute.

 


Whether you are an individual, employer or health agent, we urge you to spend a few minutes exploring our site.  Here you will find a wealth of accurate information on Health Savings Accounts.  HSA Trustee Services was one of the first provider of HSA's in the country when HSAs started in 2004.

  Sign Up Now 

  • Free HSA with No Set Up Fees
  • No Monthly or Annual Fees
  • FDIC Insured
  • Checking Optional

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Health Savings Accounts for individuals and groups are our only business.  No matter which qualified insurance plan you have, your Health Savings Account will remain independent, secure and FDIC insured, saving you money that you can use for real health care expenses.

Here's what sets HSA Trustee Services apart from the other Health Savings Account providers.

  • Our HSAs features free debit card for account holder and additional signer (if applicable)
  • Your deposits are FDIC Insured
  • HSA Trustee Services was the first HSA provider to offer a free Discount Prescription Drug Card that will save you 12 to 45% on your prescription drug costs.
  • HSA Trustee Services was the first HSA provider to offer a medical tourism This can save you up to 70% on Dental and medical procedures
Customer service is our number one priority. 
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At HSA Trustee Services, we believe your Health Savings Account should have an independent trustee and not be tied to your insurance.  This will eliminate headaches if you switch insurance providers or employers. We have no conflict of interest because we do not sell insurance. 
Getting the account closing fee at the other provider waived took some perserverance.  Three phone calls to their call center, two emails to their customer service staff and finally I looked up the name of the president, the CEO and the Regional VP - made a pretty good guess at what their email addresses might be and finally got it done through their executive team!
 
Thanks for your help!

"Our company was looking for a Section 125 plan when we found your website. Not only did you have what we needed, but your saving our 80 employees the $5 a month the insurance company HSA provider was going to charge us". Thank you, Steve AZ

 

Many thanks for your answer and follow-up. All info/help desks should be as efficient and quick as yours. I'll be using your company to open my HSA. Bill, LA

 

We are interested in rolling over our current accounts to your organization.  What are the steps needed to accomplish this?  The accounts were established with XXXXX in September of this year and We would like to transfer them to you to save the $5 monthly service fee. Tom, AZ

hsa Trustee Services is an nationwide leader in the set-up of Health Savings Accounts. IRS rules state that a Health Savings Account must have a trustee or custodian. Our bank will act as trustee. hsa Trustee Services does not sell insurance or give investment advice. All personal information, including your email address, given to hsa Trustee Services is confidential.

 

Keeping the Savings in your Health Savings Account

hsa Trustee Services

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