Health Savings Account


First State Bank Health Savings Account is a tax-exempt account established exclusively for the purpose of paying qualified medical expenses for you and your family. This account is available to insured persons with a high deductible insurance policy and First State Bank is one of the few financial institutions in our market area to offer HSA accounts.

Why HSA?

  • You do not pay taxes on money going into your HSA.
  • You decide how much money to set aside for health care costs.
  • You control how your HSA money is spent, meaning you can shop around for care based on quality and cost.
  • Any unused money at the end of the year rolls over to the next year.

To learn more, contact a customer service representative at

(903) 676-1900. 


HSA Checking Now


Minimum to Open$25
Minimum Balance$500
Monthly Service FeeIf balance falls below $500 at any time within the month, $5 service charge.*
InterestSet Periodically
FSB Debit CardFree

ATM Access

(FSB & Austin Bank at no cost)

Online Banking


Bill Pay Service


StatementsFree E-Statements Images Available Online**


 * Account governed by Health Savings Accounts guidelines; contact a customer service representative for more details.

 ** Paper statement with images available for $4.00 per month. 

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