Debit versus Credit FAQ

Is this card like other debit cards?

No, the HSA debit card can only be used for qualified healthcare expenses. This card can only be used at specific healthcare-related merchants that accept debit cards.

When asked by a merchant or directed by a point-of-sale system to choose a payment method, should I select debit or credit?

When making a purchase using a keypad or screen, select “credit.” If there’s no keypad or screen, give the card to the merchant. When asked if you want to make a credit or debit purchase, say “credit.”

Introducing UMB HSA Saver an easier way to invest in your HSA

Now you can invest your HSA savings in UMB HSA Saver and take advantage of our easy-to-use investing platform.

How to Use ReceiptVault

HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

Watch how to use your HSA

Make the most of your HSA by watching this informational video.