Skip to main content
Alert Icon

Click for our most recent information on:   COVID-19  |  Branch Status  

Alert Exit

Health Savings Accounts

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

United's HSA lets individuals enrolled in an HSA-eligible health plan, which is a high-deductible health plan (HDHP), save and pay for qualified medical expenses with features like:

  • No minimum balance 
  • Earn interest
  • Free HSA debit card
  • Free digital banking 
  • Monthly eStatements
  • Annual reports
  • Service charges: $10.00 initial setup fee and $2.75 monthly service charge 

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.


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.

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).

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.

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.

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

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
2021 Contributions $3,600 $7,200 $1,000
2022 Contributions $3,650 $7,300 $1,000

Learning Center

Avoid these 5 retirement-planning blunders

If you’re like many small-business owners, you are so sharply focused on running your business that your personal retirement planning may not receive the full attention it deserves. You can help ensure that you’re on the path to a satisfying retirement by dodging these five common missteps.

Read Article

Financial literacy broken down into 5 components.

According to the Financial Literacy and Education Commission, financial literacy is “the ability to use knowledge and skills to manage resources effectively for a lifetime of financial well-being.” If that felt like a mouthful, an easier way of understanding financial literacy is to break it down into these five components.
Read Article

COVID-19 scams targeting businesses.

The COVID-19 pandemic has brought out the best in many of us. Unfortunately, it’s also brought out scammers looking to profit off unwitting businesses. Help your business stay safe from criminals by learning about common scams and how to avoid them.

Read Article

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.