HSA Bank Reviews 

My company moved our FSA to HSA Bank recently. That's where nightmare starts. This bank seems knows nothing about FSA expenses and require card holder to provide EVETYTHING to prove the expense is legit... From ER visit to pediatric office visit, from annual physical to prescription purchase... when I called their customer service to complain, their response was rude and irresponsible! They said those documents were requested by IRS and my employer which are lies!! employers, if you hate your employee, please use services from this bank.

Enrolled Dec 2025, called because card had not arrived. Was offered to get a replacement, that it would take 10-14 days. I asked if the original one might be delayed and requested the lady NOT send replacement that I would wait. Sure enough the card arrived, I tried using and was denied benefits. I called again, it was explained that the card could not be used because it was replaced. To wait for new one. Well, waited and nothing happened called again. Was told they couldnt expedite a card, but would send checks. No one uses checks. I called again today, to be told card was mailed in Feb that it might be lost again, they would request a replacement to wait another 10-14 business days, then another 7 days after receipt to use the card. It is middle of march and I cant get meds, or healthcare - so I asked to speak with a manager (escalate) they transferred me to an automated survey and disconnected my call!!!!!!!! Horrible customer support.

Claims processing is terrible. If you call them regarding a problem, they have no answers and give you the runaround. Worst vendor I've ever dealt with for HRA claims.

The bank allowed a large amount of non-medical expenses to come through on my debit card that I did not make. Communicating with them about how to file a dispute of these transactions is nothing short of dismal and pathetic. They have made it clear that they do not have, nor wish to implement, a valid system by which customers can dispute charges. This is costing me almost $700 so far - on a medical expense account no less - DO NOT DO BUSINESS WITH THIS BANK!

Money stolen from my HAS account, some $18k, in early January 2026. As to today 3/7/26 no resolution. Most concerning!
In addition, they cannot reinstate me into online access of my account. Each failed phone call last 30-60 minutes. Their system, not the employees, is wasteful and stressful. It makes me feel as if I stole the money not the thief. Look elsewhere for a more user-friendly vendor.

Do not appreciate speaking with a person I cannot understand, who is not helpful at all or able to resolve my issue and hold time was ridiculous. Don't care what rates are, not worth it. Will be closing this account.

The worst experience ever!!!! App does not work, website does not work, cannot submit expenses. Call support and all they can say is that the system is down everytime I call. How is someone suppose to get their money when the sites never works?

Things were fine until I needed to close my account. I did all the paperwork as requested and then waited, and waited. Finally I called to check and they said the form was not dated, so they could not execute it. 1) I double checked and *yes it was dated* next to my signature line - I had pdf'd and sent it and I was looking directly at the pdf and it was dated. 2) If a form is received with some error aren't they responsible for contacting me to let me know so I can correct it? TL;DR when you try to leave they will make it difficult.

I have an HSA brokerage account through HSA Bank. Probably one of the worst brokerage accounts I’ve ever had. The transition from Schwab to HSA bank was supposed to make managing an HSA account easier but that has been anything but the case for me.
I have frequent login issues relating to the HSA Bank app. There are also consistent delays and errors in transactions using the HSA Bank app to purchase shares of stocks and moving funds, dropped phone calls to (and inconsistent representations by) representatives that make the experience with HSA Bank more burdensome and frustrating than necessary. Communicating these issues to HSA Bank either over the phone or by email has not resolved any of them for me.

Apparently my HSA debit card was compromised. Since they didn't let me know, I only found out about it when my card was rejected at the pharmacy. After repeated calls to them (they will not call you even though they promise to) I found out today that it will be 10-14 days before I have a new card. In the meantime I have medical expenses to pay. This is the worst customer service.

Zero stars!!! Why do u need all this stupid paperwork to prove it paid a medical bill when its paid to a medical facility!! Get real!! Customer service is crap and is no help!

If I could give a zero, I would. I called this company to find out the interest rate on my account, because it seems ridiculously low. The idiot on the other end of the line simply refused to tell me, and kept asking for more information. I asked if I was talking to AI, and was told "no," but then the "person" simply stopped talking to me. Finally, I hung up, as it was a waste of time, most likely exactly what HSABANK wanted me to do.

COMPLAINT AGAINST HSA BANK

On Friday, January 23, 2026, I submitted a receipt and reimbursement request for myself to HSA Bank, to be direct deposited into my checking account, which had already been verified with HSA Bank.

I attempted to check on this Status, Sunday, January 25, 2026 and found that I could no longer access my account.

I then called HSA Bank at 800-357-6246 on Monday, January 26, 2026. They said they were not sure why my account had been locked out, but would look into it. After an extended period on hold, they came back to me and said they had tried to unlock the account, but they did not have access to do so as they option was "grayed out". They advised I would have to call Cigna directly to have the account unlocked.

I then called Cigna, my healthcare insurance and discussed with them. After an extended period with them on the phone, they advised they did not see my account as locked out and I should call HSA Bank back and let them know.

I then called HSA Bank back and advised them. Again after being On Hold and discussing with customer service I was told my account should be unlocked by Tuesday, January 27, 2026.

On January 27, 2026, I again found my account to be locked out. Calls were made to HSA and again, I was told to wait 24 hours.

On January 28, 2026, my account was still locked out. I called HSA Bank back and spoke with a customer service representative who just kept repeating the same thing, that they did not know when the lock would be lifted.

I requested a supervisor call me back. I was contacted later in the day and spoke to a supervisor, who again stated the lock should be lifted by tomorrow. I explained I needed the lock lifted as soon as possible so I could resubmit the reimbursement request as this delay was causing me financial hardship. After being On Hold for an extended period, the supervisor came back on the line and stated she will send a notice to the correct department to unlock my account and will mark it as Urgent. She explained normally they will then unlock the account within 1-4 hours, but I should keep checking into the night, but would be unlocked by Thursday, January 29, 2026.

On Thursday, January 29, 2026, I again checked and found my account to be locked.

I again called HSA Bank at 800-357-6246 and spoke to a customer service representative.

This representative stated there was nothing they could do and that the lock could not be released for 3 to 5 business days.

I explained to her the several calls I have made and persons spoken with. She placed me On Hold for an extended period.

She came back and told me that the account would not be unlocked for 3 to 5 business days. After explaining my frustration she said per IRS guidelines, the account could not just be unlocked.

I explained to her I have called every day and everyday I have been told it will be tomorrow.

She then stated that because I did not answer when HSA called me on January 26, 2026 to confirm the transaction, that the account had been locked. I asked her what she meant, nobody had called me from HSA Bank. My first interaction with HSA Bank was when I CALLED THEM on Monday, January 26, 2026 at 10:57am PST. There were no prior calls or messages from them.

I then asked what number they would have called from and she said the HSA Number.

I advised the only calls I have would have been calls marked as SPAM, but again no messages were left if that was them calling me and nobody had every mentioned calling me prior to this conversation.

She again stated the account could not be unlocked.

I asked to have a supervisor call me immediately and that my next moves would be to file formal complaints against them for denying me access to my funds, when all I did was file a medical reimbursement request.

As of this writing, I am still waiting on a return call from a supervisor.

Only reason they have 1 star is couldn’t do zero. Customer service is incompetent, inefficient. Twice in less than 6 months had debit card inactivated for no reason without new card. I spent 4 calls to customer service and hours to get answers why they won’t allow payment to to my doctor to go through when enough is there - spent hours never got answer. Now I’ve done rollover to fidelity HSA and they are delaying the transfer through the balance shows zero, do yourself a favor and go elsewhere. Worst customer service experience of my life and I was born in 1960s so that’s saying a lot.

I’ve been a customer of HSA Bank for several years, but my recent experience has been extremely disappointing and concerning.
My account has been frozen since August 2025 without any prior notice or explanation. Despite repeated calls to customer service over the course of several months, I’ve received no meaningful updates, timeline for resolution, or even a clear reason why my account was locked. I was not informed by email, mail, or secure message, and no documentation or verification has been requested from me.
The only potential issue I can identify is that I’ve been making weekly contributions to my HSA for over two years—something that has never been a problem before. This unexplained freeze has prevented me from accessing my own money to pay for medical expenses and has caused significant financial stress.
An HSA is supposed to be a secure, reliable place to save for healthcare needs, but this experience has shaken my trust in HSA Bank’s systems, transparency, and customer service. I would urge others to proceed with caution, especially if you need consistent, timely access to your funds.

Attempted to use HSA debit card at Dr. office and was declined. I tried to login to account in waiting room and found password no longer worked. I immediately check phone and e-mail(including spam)records for any chance HSA bank attempted to contact me - nothing. Contacted HSA debit card dept. the next day, Jan 5th, 2026, I answered the security questions as required and confirmed to their satisfaction that my request for reimbursement over the weekend was not a fraudulent occurrence. I was promised that the issue would be resolved by the fraud department within 24-48 hrs. I called today Jan 12th, 2026 to verify the account had been restored as I was still un-able to login to my account to check balances and use my benefits card I needed for the pharmacy and Dr. appt I had scheduled today. After nearly an hour on the phone I was finally transferred to a supervisor that told me the fraud department again needed 24-48 hours and there is nothing that could be done. I was then promised first thing in the morning, then promised two hours and it would be resolved. I am convinced HSA bank is at "best" inept and should lose their license as a financial institution.... at "worst" they are insolvent and skipped every step that ANY other financial institution in America would take to freeze my account because they are illegitimate and insolvent and could not cover the few hundred dollars I was requesting of the few thousand dollars they are holding hostage as "fraud". This is unfortunately NOT my first run in with their complete and total incompetence when they mailed(w/o my request) a check for $1,875.00 to a dentist(I haven't seen a dentist in over a decade) in a town I'd never been to approx 18months prior. Once I learned of their mistake (a few weeks prior to the incident in question) I contacted their fraud department, faxing the form they required. I followed up after waiting and hearing nothing from them, I called to check status and was laughed at being told that department "loses" faxes all the time. I then mailed the form certified mail to assure that it wouldn't "get lost" this time and started my own investigative work. I tracked down the check and had the dentist office mail it back to me. They, after contacting HSA bank who was ZERO help, had kept my check without cashing it for approx. 18months because they had no patient with my name. Once again, In my opinion HSA bank fraud department has shown to me twice in just a few weeks they are incompetent, un-caring, unable, and not equipped to even be considered a financial institution.

If I could give them zero stars I would. They can't answer your questions. Just a simple question of how the process works for withdrawal for investing your money. I never got to ask more questions because they couldn't understand my first question. Left on hold forever. Called multiple times same problem.

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 tried during 2025 for several months to get new debit cards as the old ones expired. They always said that they were mailed but I never received them I finally decided to transfer my funds to another firm but it has been torture trying to get my money out. It has been just short of a month so far. When I ask to speak to a supervisor I get put on hold a while and then they come back and say no supervisor is available. My last correspondence was that they would send a check to my new firm in a week via snail-mail. I would give zero stars if I could.

just closed my HSA account they wanted all this stuff to prove I am who I say I am despite having already given ID, deposit amounts for bank ver, my address, beneficiary info etc. I didn't even get my HSA card yet (they wanted to verify it, too) even tho I'd literally just opened the accounts. Def the blind leading the blind.