Associated Bank HSA Debit Mastercard®

Access funds from your HSA to pay for eligible expenses quickly and easily using your Associated Bank HSA Debit Mastercard®.

With your Associated Bank HSA debit card, pay for HSA-eligible products and services right at the point of sale. Payments are instantly deducted from your account, allowing you to swipe, pay and move on with your day.

When you use your HSA debit card, payments are automatically withdrawn from your account—you don’t have to submit receipts to verify your purchase. Just swipe your card and go!

Your HSA debit card can be used to pay for HSA-eligible products and services and out-of-pocket costs not covered by your health insurance, including:

Routine healthcare—Office visits, lab work

Hospital expenses—Room and board, surgery

Medications—Prescription and over-the-counter (OTC) drugs

Dental care—Exams, cleanings, fillings, crowns  

Orthodontia– Braces, clear aligners

Vision care—Eye exams, glasses, contacts

Call 800-270-7719
Available Monday – Friday
7 a.m. – 7 p.m. CT

FAQ: Health Savings Account (HSA) Debit Card

You can swipe your HSA debit card to use tax-free money to pay for eligible healthcare products and services not paid by your insurance plan(s), including routine healthcare, hospital expenses, medications, dental care, orthodontia and vision care.

Your HSA debit card can be used to pay for healthcare products and services on a tax-free basis. Examples of eligible expenses include:

  • Routine healthcare
  • Hospital expenses
  • Medications
  • Dental care
  • Orthodontia
  • Vision care

Yes, you can use your Associated Bank HSA Debit Mastercard® to withdraw cash to pay for eligible expenses or reimburse yourself for expenses you have already paid. Associated Bank ATMs are always fee-free.

Yes, you can use your Associated Bank HSA Debit Mastercard® to withdraw cash to pay for eligible expenses or reimburse yourself for expenses you have already paid. Associated Bank ATMs are always fee-free.

You do not need to submit a receipt for each expense; however, you should maintain detailed records of expenses reimbursed with your HSA in case you are ever audited by the IRS.

If you do not have sufficient funds for your purchase, your debit card will be declined. You will need to pay for your expense with another payment method and reimburse yourself from your HSA later by entering a transaction in the Participant Portal or withdrawing the same amount in cash from an ATM. Associated Bank ATMs are always fee-free.

If are unable to use your debit card to pay for the product or service, for example because the merchant will not accept your card for your transaction, you will need to pay using a different payment method. You can then reimburse yourself from your HSA by entering a transaction in the Participant Portal or withdrawing the same amount in cash from an ATM. Associated Bank ATMs are always fee-free.

HSA funds used for ineligible purchases are subject to income tax and/or a penalty. If you mistakenly use your debit card to pay for an ineligible expense, you can either deposit the amount of the transaction back into your HSA or offset the amount with another eligible expense. If you are a current Associated Benefits Connection® customer and need assistance, please contact Participant Services at 800-270-7719 or ParticipantServices@AssociatedBank.com.

Contact Participant Services at 800-270-7719 or ParticipantServices@AssociatedBank.com right away if your card is lost or stolen. We will assist you in closing your current card and ordering a new card.



  • HSA cash balances are FDIC insured up to the Standard Maximum Deposit Insurance Amount (SMDIA). Deposit products are offered by Associated Bank, N.A. Member FDIC.

  • Investment, Securities and Insurance Products:

    NOT
    FDIC INSURED    		NOT BANK
    GUARANTEED    		MAY
    LOSE VALUE    		NOT INSURED BY ANY
    FEDERAL AGENCY    		NOT A
    DEPOSIT

     

  • Associated Bank and Associated Bank Private Wealth are marketing names AB-C uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation.

  • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.