Interested in a Health Savings Account? An HSA is a tax-advantaged savings account that allows individuals or employees with a high-deductible health plan to save money for medical expenses. See below for more information.
Healthcare costs can take a significant toll on one's financial well-being. That's where a Health Savings Account (HSA) can be beneficial.
An HSA is a tax-advantaged savings account that allows individuals or employees with a high-deductible health plan to save money for medical expenses. Contributions to an HSA are tax-deductible, and the funds can be used tax-free for qualified medical expenses such as doctor visits, prescriptions, and medical equipment.
Furthermore, an HSA can be a valuable long-term savings tool for individuals who want to save for retirement healthcare costs. As healthcare continues to be a significant expense for individuals, HSAs offer an avenue to save and invest in one's health.
Eligibility:
Individual must be covered by an HSA-eligible plan
Must not be enrolled in Medicare
No Income Limit
HSA Plan will have a high deductible
Qualified medical expenses are defined by IRS Publication 502 Section 213(d). Some examples include: doctors' fees, prescription and non-prescription medicines, durable medical equipment, etc. These are expenses that can be incurred by you, your spouse, or your dependents.
HSA Contribution Limits:
You can make a contribution to your Health Savings Account each year that you are eligible. The yearly limits are:
$4,400 Self-only coverage (2026)
$8,750 Family coverage (2026)
Individuals aged 55 and older can also make additional "catch-up" contributions. The maximum annual catch-up contribution is $1,000.00.
An HSA is owned by an individual, not an employer. Your employer may choose to make contributions to your HSA as a part of your benefits package. However, if you are switching to a new job, the HSA will go with you.
The Health Savings Account at FNC Bank is flexible and easy to use with the option of writing checks, using a debit card, or both. Your account earns interest and you can keep track of your account online.
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure.
Shawn
I have been with FNC Bank for 20+yrs. We went to FNC for a construction loan and a checking account when we 1st moved here. We both wanted something more out of a bank, one that would make us feel like we were people not just an account that we had where we had been. Boy, did they come through from loan officers to the tellers. From that 1st construction loan, the loan officers have always helped us save $$$ like helping us lock in a rate to refinancing and equity lines. Making the process so easy. The tellers are always so helpful. Everyone has always been professional, and yet making you feel like family, just what we were looking for. They are "like a good neighbor" in everyway.
Jana
I have been a patron of the Bank since 1974. Never had a bad experience, and was always able to work with the bank to solve my banking needs.
Arthur
I moved from New Richmond to Woodbury. I have continued to be a customer due to the service I receive. Step into any "big bank" and you will see the difference. I recently applied for a bank credit card to have on hand for an emergency. The low interest rate was incredible. So happy!
Tamara
Everyone has ALWAYS been extremely helpful and never without a smile - customer service is 10/10! There’s a reason I didn’t move my accounts after I married almost 11 years ago. And a reason I’ve been a customer since I was a teenager! Thank you for all you do for your customers each and every day!
Erin
Most accurate accounting procedures and friendliest bank representatives I've ever had in any banking experiences in the past.
Kathleen
The staff are friendly and efficient. They go above and beyond with their customer service. It is a great to have a locally owned bank where customers really matter are not just a number.
JoAnn
Fantastic team! Knowledgeable, prompt, and professional across the board - from a simple savings account, to complex mortgage products, they find the best way to make it work for you.
Derek
Wonderful bank, good relationship and a real hometown feel, just minutes from the metro but personal, we do business and personal banking! 5 star for sure!
Stacy
This is the bank to hold your accounts. I have tried other banks and returned to this one. The people are top notch. Friendly and knowledgeable. I thank them for their always helpful attitude!
Toni
Great small town bank, I love that they know who you are when you walk in the door or call.
Errin
FNC Bank has been our bank for over a decade. The customer service is first rate and I love the small town branch vs the big banks.
Karin
Love the Hometown feel of FNC Bank. My grandkids are now the 5th generation to bank there. I like the personal attention and caring employees. (Banker) goes above and beyond and all the tellers are super friendly.
Jean
Excellent friendly staff and officers that are ready and willing to strive to meet and exceed customers needs. This "hometown bank" has been a longtime institution within the community always helping citizens and businesses alike. It is refreshing to have staff and officers with genuine concern to help people achieve their dreams. Thank you FNC Bank.
Scott
I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.
Christyl
A friendly local bank, that knows who you are when you walk in the door. Always ready and able to find answers. They aim to be part of the solution, not another part of the problem.
Rick
I have been working with FNC Bank for 25 years for my personal banking and 15 years for my commercial banking needs. The folks at FNC are knowledgeable, kind, fair and always looking out for my best interest! I am very pleased that I chose to make First National Community Bank, MY bank 25 years ago and trust that I am in good hands for the next 25 years!
Joseph
Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!
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