Is money “safe” in the UMB HSA?

The money in a UMB HSA Deposit Account is FDIC insured*. Once an individual account holder has $1,000 saved in the HSA they have the opportunity to make additional investments that carry with them various levels of risk and reward similar to investing in a retirement savings plan1.

*Funds held in the HSA Deposit Account are FDIC insured to the maximum amount permitted by law.

1Investments you make through your HSA are not FDIC-insured. UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver® Investment Program. UMB Investment Management is a department of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Custody Services provides safekeeping and settlement of the mutual fund investments in the UMB HSA Saver investment program. UMB Custody Services is a division of UMB Bank, n.a.
Investments in securities through UMB HSA Saver are:

Not FDIC-Insured May Lose Value No Bank Guarantee

Introducing UMB HSA Saver

UMB HSA Saver is a unique investment platform designed with ease in mind. Account holders can easily research, buy and sell funds with a couple clicks.

How to use RecepitVault

How to Use ReceiptVault

Easily track and manage your healthcare receipts using ReceiptVault.

HSA FAQ Resource

Find answers to your most common HSA questions in our comprehensive HSA FAQs section.