HSA BankReviews of hsabank.com

They try really hard to pretend they're some kind of insurance company or a government fund, approving access to your own savings. Their customer service is basically phone only -- they won't just correspond in writing about anything substantial. Yet they require you submit PDFs for basic functions like withdrawing or transferring your funds. Simply transferring to another HSA turned into a weeks long process, and I ultimately had to just close the account and handle the rollover myself. I cannot believe such a customer-hostile entity is still in business.

After the management changed HSA has provide very poor services. When one sell a stocks, the money is not always available the next business day. Sometimes, it took 3 business days for the fuinds show up. Avoid this company if you can

They use to be the best for HSA’s but they got greedy and removed Schwab to collect more fees. The change was not thought out well or planned. I’ve closed my account and moved to a better option.

I tried to make an online payment using my HSA Bank card, only to have it declined as "not a valid card." I called HSA Bank to confirm my new card was active, and the support experience left me more frustrated than when I started. The wait time was reasonable (under 2 minutes), but the actual help I received was severely lacking. Despite already providing information through the automated system, I had to repeat everything to the agent. "John" seemed genuinely apologetic and was clearly trying his best, but he was completely out of his depth with my issue. He put me on hold three separate times, couldn't resolve the problem, and his only solution was for me to pay out of pocket rather than use my HSA funds... which defeats the entire purpose of having an HSA card. His explanation that "they're moving from Visa to MasterCard" doesn't excuse a non-functioning card that should be active. This issue appears to affect online payments specifically. I don't blame the agent himself. He seemed undertrained and unprepared to handle basic card issues. The responsibility falls on HSA Bank for either failing to provide adequate training, allowing agents to take calls before they're ready, or having inadequate training protocols. HSA Bank wasted over half an hour of my time on a problem they created (an active card that doesn't work for online payments! This is unacceptable for a financial institution handling people's healthcare funds. Until HSA Bank fixes these card activation issues and properly trains their support staff, I can't recommend relying on their card for time-sensitive healthcare payments.

I have provided HSA Bank with the routing number for my other bank and proved that it is a valid bank, verified by the Federal Reserve. Regardless of the multiple requests, they still claim that the routing number is invalid and refuse to add it to their system. Pacific West Bank - Routing number 123207049.

We've been with HSA for several years now, and they are the worst. Constant denials and appeals over ridiculous things. If you have a choice, choose elsewhere.