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Health Savings Accounts

Access Your HSA

Peace of mind and health.

Be financially prepared for every healthcare cost that comes your way. United HSAs are available through your employer’s benefit plans. If you’ve already enrolled in a United HSA, you can access your account here:

Access Your HSA Account

What’s a Health Savings Account?

If you’re enrolled in a high-deductible health plan (HDHP), you can use a Health Savings Account to save and pay for qualified medical expenses. An HSA is a tax-advantaged savings account—contributions are typically taken from your paycheck pretax, the interest and earnings are tax deferred, and, if you use the money for qualified medical expenses, the withdrawals are tax free.

Why should I open an HSA?

HSAs offer triple tax advantages and can be used as a long-term tool for savings. Your balance will roll over each year, so it’s yours (not your employer’s!) to take through job changes, life changes, and retirement.
Then, at age 65, you’ll be able to use the funds you’ve saved in your HSA for both qualified and nonqualified expenses. The nonqualified expenses will be taxed, but you won’t receive the 20% penalty that’s incurred before the age of 65.

Easy HSA Enrollment

1. Enroll

It starts with your employer, who will provide instructions on how to open your United HSA.

2. Participate

After you sign up for your HSA benefit, we'll provide you with all the materials you need.

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.

The Benefits of Saving with United

Your United HSA comes with:

  • No minimum balance 
  • Free HSA debit card
  • Digital banking access
  • Personalized HSA portal with your tax savings to date, transaction details, and receipt storage
  • Monthly eStatements and annual reports
  • One-time $10 setup fee and $2.75 monthly service charge 

Your HSA Portal

Stay up to date with your expenses and progress at all times. Enroll in our HSA portal to:

  • View your account balance, tax savings, and contributions
  • Track your out-of-pocket expenses and store your receipts
  • Plan your contributions to meet your current needs and see how much you can save by retirement
  • Link your healthcare plan and track your deductible, out-of-pocket maximums, and medical claims

Enter the Health Savings Account portal.


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. 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
2022 Contributions $3,650 $7,300 $1,000
2023 Contributions $3,850 $7,750 $1,000

Previously, the Family HSA total contribution limit was double the Individual HSA contribution limit. In 2023, that limit has increased to double the Individual HSA limit plus $50.

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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.