Glossary - A

ACH (Automated Clearing House)



The process of settling a healthcare claim that is normally handled by an insurance company or third party administrator to ensure the validity of the medical expense through substantiation.


An authorized person or company that acts on the behalf of another entity to negotiate, sell, and/or service the entity's products or services.

Archer MSA

See Medical Savings Accounts

Automated Clearing House


Available Balance

The dollar amount available for use in your Health Savings Account.

“Above the Line” Deduction

A term used to describe those deductions such as HSA contributions, which the IRS allows a taxpayer to subtract from his or her gross income, regardless of whether they itemize or use the standard deduction for income taxes. A taxpayer’s gross income minus his or her above the line deductions is equal to the adjusted gross income.


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 Receipt Vault Video

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