Personal Banking


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Save funds free of federal income tax for qualified unreimbursed medical expenses!

Health Savings Accounts (HSAs) were created in 2003 so that U.S. taxpayers enrolled in high-deductible health plans (HDHP) could save for medical expenses by contributing funds that are not subject to federal income tax at the time of deposit.  When you pay medical expenses that are unreimbursed by your HDHP, you may receive tax-free distributions from your HSA to pay or be reimbursed for them.

It pays to open a Health Savings Account today and start saving for future health care expenses. We'll provide you with an account statement for the convenience of monitoring your health care savings!

Please consult a tax advisor for guidance and comprehensive information about HSAs and other tax-related issues as well as eligibility requirements, definitions of qualified medical expenses, and mid-year contribution amounts. Empire National Bank does not provide legal, tax or investment advice.


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