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Health Savings

Saving for medical expenses is easy with an FNB HSA.

Enjoy some peace of mind. Save for non-covered medical expenses, make tax-free withdrawals to cover qualified expenses and access your Health Savings Account through a check, debit card, mobile banking and online banking.

To Apply Now or Schedule an Appointment:

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    • Graph with Arrow pointing upwards

      Interest rates increase with higher balances

    • Person

      No set-up or annual fee for FNB personal checking customers

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      No minimum balance requirement

  • Our Health Savings Account is a practical way for you to put aside money for non-covered medical expenses.

    With an FNB HSA, you can also put aside worrying about finding ways to pay for your deductible or other medical expenses. You get tax-free distributions to cover qualified medical expenses, and there's no minimum balance to maintains1:

    • With a tiered interest rate, earn more interest with higher balances
    • Offers a variable interest rate; interest is compounded and paid monthly
    • No minimum balance requirement
    • Initial set-up fee and $20 annual fee waived for existing FNB personal checking account holders
    • No minimum to open in branch; ($50 minimum deposit to open account online)

    Convenient Online Access:

    • Free online statements3
    • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
    • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking2
    • Fast and free Online Banking, Mobile Banking and Telephone Banking2
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Your Initial Deposit

    You’ll need a $50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)

    Required Identification

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Optional Items:

    • If you would like to order checks, you may do so during the application process.
    • If you request a debit card when you open your account, it will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

Browse all

Compare all of our accounts. This comparison chart makes it easy to compare all of our savings options.

Compare all

Still not sure? Answer a few quick questions to help you find the right account.

Help me decide

Still not sure? Answer a few quick questions to help you find the right account.

Help me decide

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Notices & Disclosures

1 - Speak with your tax adviser regarding qualified withdrawals & payments.
2 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.
3 - There may be a fee for paper statements which you can avoid by signing up for electronic delivery of your monthly account statement.

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