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Health Savings Accounts

Health Savings Account. Prepare for the Future Today.

A Health Savings Account offers tax advantages and great flexibility in covering medical expenses for individuals with a qualifying high deductible health plan. You can even carry over funds from year to year and the account is yours, even if you change jobs, health plans, or retire.

Frequently Asked Questions

Open an HSA Find Your Nearest Guaranty Location

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HSA Benefits

  • Interest Bearing Account1
  • Tax Savings – HSA contributions are tax-deductible, and earnings and eligible withdrawals are tax-free, as long as certain requirements are met.2
  • Ownership and Control – You own your account and decide how to spend your healthcare dollars.
  • Portability – You can continue your account even if you change places of employment. Guaranty Bank & Trust will still be here to service your account.
  • Roll Over – Unlike Flexible Spending Accounts with “use it or lose it” requirements, money left over in your HSA at the end of the year rolls over into the next year.

  • icon-choice-200x200.gif Requirements
    • $50 Opening Balance³
    • Monthly E-Statements
  • icon-mobile-banking-v2-200x200.gif Easy Access
    • Free Mobile Banking
    • HSA Mastercard®⁴
    • Unlimited Check Writing

Access Anywhere:

  • 1000s of
    ATMs
  • Debit Card
  • Checks
  • Online Access & Bill Pay

Bank In The Heart Of Texas

Where you bank makes a difference. When you bank with Guaranty, every dollar you spend — and every penny you save — helps your community prosper. And, because generations of Texans have invested in us over the last 100 years, we’re able to complement today’s most state-of-the-art banking solutions with personalized service and support. Whatever your financial goals, we’re here to help you achieve them.

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Common Questions

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Disclaimer:

1For current interest rate information, please call 888-572-9881 or come by any Guaranty Bank & Trust location.
2Refer to a tax professional regarding potential tax savings with an HSA account.
3Annual service fee: If your current balance is below $500 as of June 30, your account will be subject to an annual service charge of $25.00. Also, E-statements are required but can receive paper statements for $5 per month.
4The use of this card is for health-related expenses only.