Health Savings Accounts

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


  • $100 minimum to open
  • $5 monthly paper statement fee—waived with electronic statement enrollment

*Consult a tax advisor for more information

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Matthew Limon

Client Relationship Manager

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805 730 7877
NMLSR: #1039591
Location: Santa Barbara

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Dustin Reese

Assistant Vice President, Branch Manager

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NMLSR: #1097395
Location: San Luis Obispo

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Heidi Cummings

Vice President, Branch Manager

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NMLSR: #1038237
Location: Paso Robles

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Certificates of Deposit

Earn a fixed interest rate to help reach your long term financial goals.

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Money Market

Maximize earnings on your higher savings balance with competitive, tiered interest.

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Personal Savings

Start building your nest egg, saving for a particular goal, or just putting a little extra aside for a rainy day.

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