HSA BankReviews of hsabank.com

My company moved our FSA to HSA Bank recently. That's where nightmare starts. This bank seems knows nothing about FSA expenses and require card holder to provide EVETYTHING to prove the expense is legit... From ER visit to pediatric office visit, from annual physical to prescription purchase... when I called their customer service to complain, their response was rude and irresponsible! They said those documents were requested by IRS and my employer which are lies!! employers, if you hate your employee, please use services from this bank.

Enrolled Dec 2025, called because card had not arrived. Was offered to get a replacement, that it would take 10-14 days. I asked if the original one might be delayed and requested the lady NOT send replacement that I would wait. Sure enough the card arrived, I tried using and was denied benefits. I called again, it was explained that the card could not be used because it was replaced. To wait for new one. Well, waited and nothing happened called again. Was told they couldnt expedite a card, but would send checks. No one uses checks. I called again today, to be told card was mailed in Feb that it might be lost again, they would request a replacement to wait another 10-14 business days, then another 7 days after receipt to use the card. It is middle of march and I cant get meds, or healthcare - so I asked to speak with a manager (escalate) they transferred me to an automated survey and disconnected my call!!!!!!!! Horrible customer support.

Claims processing is terrible. If you call them regarding a problem, they have no answers and give you the runaround. Worst vendor I've ever dealt with for HRA claims.

The bank allowed a large amount of non-medical expenses to come through on my debit card that I did not make. Communicating with them about how to file a dispute of these transactions is nothing short of dismal and pathetic. They have made it clear that they do not have, nor wish to implement, a valid system by which customers can dispute charges. This is costing me almost $700 so far - on a medical expense account no less - DO NOT DO BUSINESS WITH THIS BANK!

Money stolen from my HAS account, some $18k, in early January 2026. As to today 3/7/26 no resolution. Most concerning! In addition, they cannot reinstate me into online access of my account. Each failed phone call last 30-60 minutes. Their system, not the employees, is wasteful and stressful. It makes me feel as if I stole the money not the thief. Look elsewhere for a more user-friendly vendor.

Do not appreciate speaking with a person I cannot understand, who is not helpful at all or able to resolve my issue and hold time was ridiculous. Don't care what rates are, not worth it. Will be closing this account.

The worst experience ever!!!! App does not work, website does not work, cannot submit expenses. Call support and all they can say is that the system is down everytime I call. How is someone suppose to get their money when the sites never works?

Things were fine until I needed to close my account. I did all the paperwork as requested and then waited, and waited. Finally I called to check and they said the form was not dated, so they could not execute it. 1) I double checked and *yes it was dated* next to my signature line - I had pdf'd and sent it and I was looking directly at the pdf and it was dated. 2) If a form is received with some error aren't they responsible for contacting me to let me know so I can correct it? TL;DR when you try to leave they will make it difficult.