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.”


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 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