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Tower Bank is your HSA Authority.

Feature	Coverage
Minimum Opening Balance	None
Annual Fee	None
Service Charge	- No monthly service charge - No per check fee
Statement Options	Online or paper statements available
Interest Rates	Interest rates may vary based on statement type (online or paper). Please see separate rate sheet or call for a current rate quote. Rates are subject to change
Monthly and Annual Reporting	Monthly paper or online statement itemizes contributions. Paper statement includes imaged check copies
Annual IRS Reporting and Updates	5498-SA (contributions), 1099-SA (distributions), and adjustments for prior year contributions
24/7 Automated Telephone Banking	No charge, toll-free number: 888.743.0737
Deposit Processing	Via automatic deposit, mail in service, or in person at any Tower Bank location
Online Banking	No charge. View statement, account activity and balance, front and back of paid checks
VISA Check Card - purchases only through HSA approved merchants (no ATM access)	- Up to two cards free - No per transaction fees
Check Printing Fees	$7.25 per order of 50
Enrollment Fee	- Free - Enroll here. - $14.99 - Paper enrollment
Certificate of Deposit Options	Available. Call for current rates and terms. FDIC insured
Brokerage Investment Options	Available. Brokerage Investments are not FDIC insured. May lose value
Miscellaneous Fees - overdraft, stop pay, and other miscellaneous fees may apply	Per bank fee schedule
Closing/Rollover/Transfer Fee - close account and/or transfer to new custodian	$20.00