This document tells you how your Health Savings Account (HSA) earns interest and what services and fees come with it. The amount of interest you earn depends on how much money is in your account. It also explains that some services—like online access, monthly statements, and tax forms—are free.
The second part of the document lists extra fees you might have to pay for services such as mailing a paper statement, reissuing a debit card, or closing your account. Some of these fees might be covered by your employer, but if not, they’ll be taken from your HSA balance. It also reminds you that while your savings account is protected by the FDIC, any money you choose to invest is not guaranteed and could lose value. This document helps you understand how your HSA works so you can make smart choices with your healthcare savings.