Does My HSA Have a Routing Number & Where to Find It?

A Health Savings Account (HSA) provides a tax-advantaged way to save for qualified medical expenses. This account is typically paired with a high-deductible health plan (HDHP), allowing individuals to manage healthcare costs while benefiting from tax incentives. Contributions to an HSA are not subject to federal income tax, earnings grow tax-free, and withdrawals for eligible medical expenses are also tax-free. Unlike a flexible spending account, HSA funds roll over year to year, remaining available for future healthcare needs, even if you change employers or retire.

HSA Account Details

An HSA itself does not typically possess its own routing number in the same manner as a standard checking or savings account. Instead, a financial institution, such as a bank, credit union, or investment firm, acts as the custodian. This custodian has a routing number. Each HSA holder receives a specific account number from their custodian.

The routing number identifies the financial institution holding the funds, while the HSA account number identifies your specific account within that institution. You can usually find your HSA account number and the custodian’s routing number on your HSA debit card, within the online portal or mobile app provided by your HSA custodian, or on your account statements. If you are unable to locate these details, contacting your HSA provider’s customer service or, if applicable, your employer’s HR department can provide assistance.

Managing HSA Transactions

Understanding your HSA account and the custodian’s routing number is important for effectively managing contributions and payments. For making payments from your HSA, methods include using a dedicated HSA debit card at the point of sale, similar to a regular debit card. Many HSA providers also offer online bill pay features, allowing you to pay healthcare providers directly through their web portal or mobile application. You also have the option to pay for qualified medical expenses out-of-pocket and then reimburse yourself from your HSA by transferring funds to your personal bank account or requesting a check.

If your employer offers an HSA, contributions can often be made through pre-tax payroll deductions, which lowers your taxable income. You can also make direct contributions to your HSA via electronic funds transfer (EFT) from an external bank account or by mailing a check. When setting up an EFT for contributions, you will typically use the custodian’s routing number and your specific HSA account number to transfer funds into your account.