Health Savings - The Adirondack Trust Company
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Health Savings

Our Health Savings Account (HSA) allows you to set aside tax-free money to use later to pay for qualified, out-of-pocket medical expenses. We do more than provide banking products; we work to offer you services that will help improve your financial well-being.

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  • Tax-free earnings and distributions*
  • Easy access by writing a check or by using your ATC HSA Visa® Debit Card
  • Contributions remain in your account from year-to-year, until you use them
  • Your HSA is portable and stays with you when you change employers or leave the workforce
  • Individual accounts only (not for joint accounts)
  • Interest earnings credited monthly**
  • No minimum monthly balance requirement
  • Free unlimited check writing
  • Free ATC wallet-style checks for the life of the account
  • Free ATM access
  • No ATC surcharge fee when using other ATMs
  • Free WebWise® Online Banking, bill pay, and loan payments
  • Monthly account statement options
  • Payroll direct-deposit eligible
  • Year-end IRS reporting
  • FDIC-insured

*Distributions must be for qualified, out-of-pocket medical expenses.
**See current rates >
Fees: There is a $25 fee to open a Health Savings Account. A $4 monthly maintenance fee will be charged to your account if you choose to receive your monthly statements by mail. The statement fee will be reduced to $2 if you choose to receive your statements via the Internet using our Online Statement as part of our WebWise® Mobile & Online Banking facility.

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