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Health Savings Account

Access Your HSA

Peace of mind and health.

Be financially prepared for every expected—and unexpected—healthcare cost that comes your way. Plan for your future while earning tax-free interest on your money with a Health Savings Account.
HSA Features

Your health deserves a healthy nest egg.

  • No minimum balance
  • Earn interest
  • Free HSA debit card
  • First set of checks are free
  • Free digital banking
  • Monthly eStatements
  • Annual reports 
5 Reasons Why

Here are just a few reasons why you should open your Health Savings Account today.

  • Freedom of health care decisions
  • Long-term savings
  • Tax savings
  • Earned interest
  • Follows you wherever you go
Easy HSA Enrollment

It only takes three steps to begin. What are you waiting for? 

  • Step 1: Enroll
    • It starts with your employer, who will provide instructions on how to open your United Community Bank HSA.
  • Step 2: Participate
    • After you sign up for your HSA benefit, we will provide you with all the materials you need.
  • Step 3: Contact Us
    • Whenever you have a question, contact our HSA Customer Support Center at 1-866-719-6039. Contribution limits and important account information change on an annual basis, so feel free to ask us.

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

Can I transfer funds from my checking or saving accounts to make a loan payment?

Yes. Personal Online Banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through Online Banking. Select Transfer/Deposit on the left menu, Select Funds Transfer and fill out the from and to account, then input the transfer amount and date. Click Transfer at the bottom after you have reviewed the transfer details.

Important: Payments made before 6:00pm each business day will be applied the same day.

Can I transfer funds from CDs and IRA accounts to my checking and savings accounts?

No, you can only transfer between your checking, savings and loan accounts.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

How do I update my mailing address?

You may visit your local branch or update it within your Online Banking account. Within Online Banking, click Settings in the left menu, Address Change, update your address and submit.

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HSA Contributions1

Participants may contribute up to the maximum allowed by law. Contribution amounts are based on IRS limits.

Year Individual/Single Coverage Family Coverage (2+ Lives) Catch-up Contributions2
2020 Contributions $3,550 $7,100 $1,000
2019 Contributions $3,500 $7,000 $1,000

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1To be eligible for an HSA account you must be enrolled in a High Deductible Health Plan (HDHP), cannot have additional healthcare coverage including Medicare or VA benefits and cannot be claimed as a dependent. HSA accounts cannot be rolled or transferred into any IRA account.

2Those age 55 and older may contribute an additional amount as shown as a catch-up contributor.