Health Savings Accounts
HSAs grant you tax advantages* on funds set aside for medical expenses if you have a high-deductible insurance plan. Funds contributed to the account are not subject to income tax at the time of deposit, and accrue interest until you use them for qualified healthcare costs.
- No monthly service charge
- Funds remain with you if you change jobs or retire (after age 65, may use funds penalty-free for any purpose)
- Earns interest—calculated daily, paid monthly
- Unlimited access within IRS guidelines
- Instant-issue MasterCard debit card—free!
- Free Identity Theft monitoring with enrollment
- Free Card Alerts with enrollment
- Domestic ATM surcharge refunds—up to $12 per month
- Online banking—with bill pay
- Mobile app—with mobile deposit
Requirements¶
- $100 minimum to open
- $5 monthly paper statement fee—waived with electronic statement enrollment
*Consult a tax advisor for more information
Ask an Expert¶

Matthew Limon¶
Client Relationship Manager
Send E-mail
805 730 7877
NMLSR: #1039591
Location: Santa Barbara

Dustin Reese¶
Vice President, Branch Manager
Send E-mail
805-540-6243
NMLSR: #1097395
Location: San Luis Obispo

Heidi Cummings¶
Vice President, Branch Manager
Send E-mail
805-296-1771
NMLSR: #1038237
Location: Paso Robles
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Customer Testimonial¶
American Riviera Bank knows and cares about our customers.
