HSA Rate and Fee Disclosure

Cash account balances are initially invested in an FDIC-insured interest-bearing account.

Today’s Rates

Health Savings Accounts
Type and Term Minimum Balance
(to earn interest)
Interest Rate Annual Percentage Yield (APY) Payment Frequency
HSA Checking $0.01 - $1,999.99 0.05% 0.00% - 0.05% Monthly
$2,000 - $4,999.99 0.10% 0.05% - 0.08% Monthly
$5,000 - $9,999.99 0.25% 0.08% - 0.17% Monthly
$10,000 - $24,999.00 0.50% 0.17% - 0.37% Monthly
$25,000 and up 1.00% 0.37% - 1.00% Monthly

Rates are variable and may change after the account is opened. If fees are applied, earnings may be reduced.

Bell State Bank & Trust uses the daily balance method to calculate interest on your cash account. This method applies a daily periodic rate to the principal balance in your cash account each day. Interest rates will be paid only for the portion of your daily balance that is within each tier. The interest rate and Annual Percentage Yield may change at Bell State Bank & Trust’s discretion, at any time. Interest begins to accrue no later than the business day Bell State Bank & Trust receives credit in your cash account for the deposit of noncash items (for example, checks). Interest is compounded and credited to your cash account monthly. If you close your cash account before interest is credited, you will not receive the accrued interest for that month.

HSA Fees Schedule
HSA Service Fee $3.50 (per month, waived on balances over $2,000)
Primary Debit Card Fee $0.00
Dependent Debit Card Fee $0.00 (per card, with no limit on the number of cards)
HSA Check Distribution Fee $1.50 (per check requested, online funds transfers are free)

Bell State Bank & Trust does not provide legal, tax or investment advice to HSA Account holders. Contact a qualified accountant, attorney or investment adviser for legal, tax or investment advice.


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