American Chartered Bank Free Health Savings Account (HSA)

Thank you for your interest in the American Chartered Bank Health Savings Account program. All of the documents necessary to open and maintain a health savings account can be obtained here.

Is an HSA program right for you?

If you are considering enrolling in a consumer directed health plan coupled with an American Chartered Bank Health Savings Account, our HSA Calculator is a great tool to help you choose the right plan for your needs. This calculator allows you to view and consider your health insurance alternatives under a variety of claims scenarios. Start now!

Once you have decided to open an HSA, the process of opening the account is easy. Simply determine your usage requirements and choose the account that best fits your needs. You can apply immediately online, mail in a paper application, or visit any of our convenient locations!

View HSA Tutorial

American Chartered Bank offers three account options:

A free HSA Checking Account with tiered interest rates
Certificates of Deposit
An HSA Investment Account, which enables clients to transfer account balances in excess of $1,000 from their American Chartered Bank HSA Checking Account into Investment Options comprised of a variety of nationally-recognized mutual funds with differing investment objectives.*

Key features of each account are summarized below:

Feature	HSA Checking Account	Certificates of Deposit	HSA Investment Account
Set-up Fees	None	None	None
Minimum Balance Requirements	None	$1,000.00	None
Monthly Fees	None	None	$2.00 / $3.50
Check Writing Privileges	Yes¹	No	Yes²
Visa Check Card	Free	None	Free
Online Banking	Free	Free	Free
Online Bill Pay	Free	None	Free
Electronic Statements	Free	None	Free
Interest Paid	Yes; View Current Rates	Yes; View Current Rates	Yes, on deposits held in American Chartered Bank HSA Checking Account²
Investment Options	None	None	Yes*
Minimum Deposit Required	None	$1,000.00	None
Minimum Investment Amount	Not Applicable	Not Applicable	None
FDIC Insured	Yes	Yes	Yes--funds held in American Chartered Bank HSA Checking Account No--amounts transferred to the Investment Options

Important information to consider before applying for a Health Savings Account:

Do You Have More Questions? Please view our HSA Resources or contact us at:

HSA Customer Service
P.O. Box 5994
Carol Stream, IL 60197-5994
Phone: (847) 407-2603
Fax: (847) 407-2633
Email: HSA@americanchartered.com

Apply now!

1. $15.20 fee for one box of personal checks, payable at the time of application.
2. View Current HSA Checking Account Rates
3. Click here for a current Schedule of Fees.

*Investment Options are not FDIC insured, may lose value, and are not guaranteed by the Bank.


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