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Health Savings Accounts (HSA)

Health Savings Accounts are tax-exempt trusts or custodial accounts established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse and your dependents.

If you meet one of the following requirements you are eligible for a Health Savings Account:

  • Have medical insurance coverage under an HSA-qualified “high deductible health plan” (HDHP)
  • Have no other first dollar medical coverage
  • Are NOT enrolled in Medicare
  • Cannot be claimed as a dependent on someone else’s tax return
  • Minimum amount to open of only $50

Account features:

  • Totally free interest-bearing checking account
  • MasterMoney® debit card for easy access
  • Monthly statement to easily track qualified medical expenses
  • IRS required reporting

Account benefits:

  • TAX SAVINGS – tax deductions when you contribute to your account
  • TAX-FREE earnings through investment
  • TAX-FREE withdrawals for qualified medical expenses


Pinnacle Bank has reopened our lobbies. To protect our customers and team, we are maintaining essential                 COVID-19 protocols such as social distancing, limiting the number of customers in the branch and                             frequent sanitization.

For those who prefer to remain outside, Pinny Drive Thru Tellers are available at all Pinnacle branches,                        Monday – Friday, 7 AM – 7 PM and Saturday, 8 AM – 2 PM.

If you have any questions, please call 877-759-7939 from 8:00 AM – 5:30 PM.

We appreciate your cooperation and look forward to serving you. Thank you.