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Health Savings Accounts

If you are covered by a high-deductible health plan then a tax-advantaged Health Savings Account may be for you. Health Savings Accounts, usually referred to as HSAs, are accounts set up to pay for your medical care including dental and vision and allow you to build up savings to pay for future medical expenses. HSAs are available in conjunction with a high deductible health insurance plan.

| Frequently Asked Questions |

Apply NOW or visit one of our branches today to open your BNC Health Savings Account!

Health Savings Account Rates
(North Dakota)

Minimum 
BALANCE 

Annual Percentage Yield (APY)**
$15,000 or more 

2.17%
$5,000 - $14,999

1.97%
$2,500 - $4,999

1.71%
$0 - $2,499

1.00%

The interest rates are variable and may change after the account is opened.
Annual Percentage Yields(APY) are effective as of 10/08/08.
Fees could reduce earnings.

You can contribute to your BNC National Bank HSA...

  • By mailing or making a deposit in person at any BNC National Bank branch office.

  • By transferring funds from your personal checking account through online banking.

  • By authorizing your employer to make a direct deposit to your HSA account from your pay check.

You can access your BNC National Bank HSA by...

  • Using your health savings account debit card to pay for your qualified health care expenses.  Simple present your card to an eligible provider that accepts the Visa Debit Card.  Your payment will be deducted from your health savings account and the transaction detailed on your monthly statement.

  • Writing a check from your health savings account.

  • Transferring money from your health savings account to your primary checking account to cover qualified health care expenses that were paid from it.

Your BNC National Bank HSA features:

  • No minimum balance requirements

  • No application fee

  • 50 free checks

  • No monthly fees

  • A free HSA Visa Debit Card, so you can access your funds electronically.

  • Competitive tiered interest rates, as your balances grow so does the interest yields.

  • An annual fee of $25 is waived based on employer's relationship at BNC.

 

Want more information?  It's Easy!
Apply Online, Visit a local branch, Fill out a Contact Us form and a banking representative will contact you, or Call us at 1-800-BNC-BANK.

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