Here’s what you’ll need to open your account:

  1. Your Photo ID (Driver's License, State ID, Passport, Military ID or Alien Registration Card)
  2. Your Social Security Number

How would you like to open your account?

Video Banking     Online

Recovering from illness or injury is tough enough. Let us help you take care of the costs with an Atlantic HSA.


Key Features

  • Competitive Dividends
  • Tax Advantages1
  • No Setup or Maintenance Fees
  • Greater control over healthcare management and expenses
  • Prepare for qualified medical expenses
  • An HSA provides triple tax savings:
    • Tax deductions when you contribute to your account
    • Tax-free earnings through investment
    • Tax-free withdrawals for qualified medical, dental, vision expenses, and more1
  • Contributions are tax-free and can be made by you, your employer, or a third party
  • Funds can be withdrawn at any time2
  • No monthly service fees
  • No minimum balance requirements
  • Unused funds remain in account year after year; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • Federally insured by NCUA

1Consult a tax advisor.

2You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and may be subject to a 10% penalty. Consult a tax advisor for final determinations.

(1) Must be covered by a qualified high-deductible health plan as defined by IRS. (2) Cannot be enrolled in Medicare. (3) Cannot be claimed as a dependent on someone else's federal income tax return. To confirm your HSA eligibility, check with your employer, healthcare provider, or tax professional.

The annual contribution deadline is April 15th of the following year and contributions may be carried over from year to year.

Check with a tax professional regarding tax deductibility. Deductible amounts are determined by law and are subject to change annually.

Catch-up contributions can be made any time during the year in which the HSA participant turns 55. If a spouse is also 55 years or older, a second HSA account must be established and a second contribution of $1,000 could be made to that account.