Health Savings Accounts

The Commerce Bank Health Savings Account (HSA) is a special, tax-advantaged1 savings account that you can use along with your High Deductible Health Plan (HDHP) to help pay for qualified2 healthcare expenses before you reach your health insurance deductible.

  • Make pre-tax contributions through payroll deductions (if available) or after tax contributions3
  • Earn money tax-free through interest payments
  • Pay for qualified healthcare expenses tax-free2
  • Allows year-to-year rollover
  • Account follows you regardless of employer or insurance coverage
Min. Opening Deposit
  • $0
Monthly Service Charge
  • $3 (if balance requirement not met)
Minimum Balance to Avoid Service Charge
  • $1,500 (month end balance)
Interest Paid
Debit Card
  • Free Commerce Bank HSA Visa® Debit Card - pay for qualified healthcare expenses
Online Services
Dedicated HSA Account Information Line
  • 1-877-472-1070, Monday through Friday from 7:00 a.m. to 8:00 p.m. CT, Saturday from 8:00 a.m. to 6:00 p.m. CT
Statement Options
  • Paperless Statement - Free
  • Paper Statement - $2.50/mo.
  • Account Set-up Fee - $20
  • Account Close Fee - $25 (if account is closed within two years of opening)

Apply Online


  1. State taxes may vary. Consult your tax advisor.

  2. HSA withdrawals made for non-qualified expenses are subject to ordinary income tax and may incur an additional 20% IRS penalty. Consult your tax advisor.

  3. Combined total contributions cannot exceed the annual contribution limits outlined by the IRS.

Deposit Agreement & Disclosures

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