No fee Health Savings Accounts powered by UMB Bank, n.a.

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Learn about HSAs, find out if you're eligible and decide if you'd like to open an HSA.

Requirements to open an HSA:
  • Must have a Qualified High Deductible Health Care Plan
  • Not enrolled in Medicare or other non-permissible medical coverage
  • Cannot be claimed as a dependent on someone else’s taxes




Determine if this is the right HSA for you.

Why open an HSA here?
  • No monthly/annual fees.  See additional details.
  • Great features like online banking, bill pay, mobile banking, investments.
  • Our HSA's are backed by UMB Bank, a trusted bank since 1913.

Questions?  Give us a call at 866.520.4472

Open your account now and start saving for your health today

Open an HSA

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Open an HSA

What is an HSA?

A health savings account (HSA) is an individually owned, tax-advantaged account that you can use to pay for qualified medical expenses, save for retirement and long-term care expenses, or invest.   If you have enrolled in the Affordable Care Act's Health Insurance Marketplace an HSA can be a great addition to your plan.

Copyright © 2014. UMB Financial Corporation. All Rights Reserved.
UMB is a registered service mark of UMB Financial Corporation. 
Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.
For additional disclosures and information, view our Privacy Statement and Legal Terms and Conditions.
High-deductible health plans constitute insurance products, which are not offered by UMB Bank, n.a. and are not FDIC-insured.
The UMB Health Savings Account (HSA) is intended to qualify as a HSA as set forth in Internal Revenue Code Section 223. However, the account beneficiary that establishes the HSA is solely responsible for ensuring that he/she satisfies the Health Savings Account eligibility requirements set forth in Section 223. If an individual/employee establishes a HSA and he/she is not otherwise eligible, he/she will be subject to adverse tax consequences. In addition, an employer who makes contributions to an HSA of an ineligible individual may also be subject to adverse tax consequences. We recommend that HSA applicants and/or employers contact qualified tax or legal counsel before establishing a Health Savings Account.  Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice.  All mention of taxes is made in reference to federal law.  States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions.  Please check with each state’s tax laws to determine the tax treatment of HSA contributions, or consult your tax advisor.  Additional federal and state forms may be required.