Keep your Health Savings Account in a convenient place! We offer Health Savings Accounts for customers with a compatible high deductible health plan, handle the IRS reporting, and give you the perks of seeing that account with your online/mobile banking.

How HSA's Works:
Health Savings Accounts work like a regular checking account and you can use a check or debit card to pay for qualified medical expenses. The funds in the account continue to grow tax-free, year after year.
- Competitive interest rates
- Local service
- Free HSA debit card
- Check writing
- Monthly statements
- Year-end reporting for tax purposes
High Deductible Health Plans:
Single Coverage
2023 minimum annual deductible: $1,500.00
2023 maximum annual out-of-pocket expenses: $7,500.00
2023 maximum contributions: $3,850.00
2024 minimum annual deductible: $1,600.00
2024 maximum annual out-of-pocket expenses: $8,050.00
2024 maximum contributions: $4,150.00
Family Coverage
2023 minimum annual deductible: $3,000.00
2023 maximum annual out-of-pocket expenses: $15,000.00
2023 maximum contributions: $7,750.00
2024 minimum annual deductible: $3,200.00
2024 maximum annual out-of-pocket expenses: $16,100.00
2024 maximum contributions: $8,300.00
HSA Catch-Up Contributions
2023 Age 55 and older: $1,000.00
2024 Age 55 and older: $1,000.00

Meet Our Banking Pro!
Cheryl Doocy
Personal Banker
(320) 335-5805 | cheryl.doocy@fnbosakis.net
Osakis Area Native | Fitness Junkie | Wife | Mom | Farm Girl
As your Personal Banker, I look forward to helping guide you to the most beneficial products to optimize the health of your financial future!
"There is more mercy in Christ than sin in us." - Richard Sibbes