on First National Bank

Due to increased fraud in New York state, FNB is blocking all non-pinned debit card transactions originating from there.
If you are planning travel to New York, please call customer service for additional information.

Personal Banking

HSA Accounts

Call Wichita Falls
Call Southlake
– 940.696.3000 –
– 817.481.0158 –

The Health Savings Account (HSA) is a tax advantage custodial account established exclusively for the purpose of paying and reimbursing qualified medical expenses for you or your family.

Minimum to open:


  • Deposits are tax-deductible
  • Enrollment fee of $25.00
  • No monthly service fee*
  • Up to 6 transfers per month (3 by check or third party)
  • Earns interest monthly
  • E-Statement with images
  • 10 Free starter checks
  • HSA Debit Card
First National Bank

If you have selected a High Deductible Health Plan (HDHP) through your employer or insurance provider, you will be eligible for the HSA, if you meet the following requirements:
Be covered by a HSA-qualified High Deductible Health Plan (HDHP)
Must not be covered by other health insurance that is not an HDHP
May not be enrolled in Medicare Part A or B
May not be claimed as a dependent on another individual’s federal income tax return

FAQs (Frequently Asked Questions):
What is an HSA? This is an account that allows individuals to pay for current health care expenses and save for future qualified medical and retiree health expenses on a tax free basis.
Who is eligible? The individual must be covered by a “High Deductible Health Plan” (HDHP), must not be covered by other health insurance (does not apply to specific injury insurance and accident, disability, dental care, vision care, long-term care), is not eligible for Medicare, and can’t be claimed as a dependent on someone else’s tax return. A HDHP is a plan with a minimum deductible of $1,000 (self only) or $2,000 (family plan). Annual out of pocket (including deductibles and co-pays) cannot exceed $5,000 (self only) or $10,000 (family).
Who can contribute? Either the employer, the individual, or both. The employer can make a pretax contribution to the HSA on behalf of the employee, and the employee can also make contributions with pretax dollars. All contributions are aggregated.
What are the contribution limits? For an eligible individual that is covered by the same HDHP plan for the entire calendar year, the maximum annual contribution amounts will be adjusted for cost-of-living increases in increments of $50. Also, catch-up contributions are allowed for individuals who are ages 55 and older.
What happens to money not used during the year? Any amounts not used may grow tax free and can be carried forward to future years. They can also be rolled over into other health savings accounts if the employee changes jobs.
Must the bank monitor expenditures? No! The account beneficiary is responsible for making payments to his or her own service providers. The trustee bank has no duty to monitor the payments.
First National Bank offers a Health Savings Account. The product is a HSA Money Market Account that earns interest, limited to 6 transactions per month, and a Debit Card. There is a required minimum deposit of $100 to open and a one-time set-up fee of $25.

*The Fee referenced above may not include additional transactional fees that may be incurred by the Customer or Account as part of specific requested activities or events. Examples include Overdraft Fees, ACH Transfer Fees, Wire Transfer Fees, Cashier Check Fees, as well as other requests from our Customers that may not be covered under the base fee referenced above. Please see our RATES AND FEES section of this website for additional information