M&T Bank : HSA
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M&T Health Savings Account. Take advantage of tax-exempt contributions to save and pay for qualified medical expenses.Woman smiling

M&T's Health Savings Account (HSA) offers a convenient way to make tax-exempt contributions to save and pay for current and future qualified medical expenses. You must be covered by a High Deductible Health Plan (HDHP) to have an HSA. HDHPs are a type of health insurance that typically offer lower premiums and higher deductibles.

M&T's HSA offers:

  • You make the decisions and control the money in your HSA
  • Dedicated customer service with extended hours (6am - 9pm ET Monday through Friday and 6am - 5pm ET Saturday and Sunday)
  • Online portal with HSA information
  • Convenient account management tools
    - Calculator to help you estimate annual health expenses
    - Plan comparison tool
    - E-statements ($5/mo. for paper statements)
    - Web bill pay
  • Account funding options
    - You may deposit funds by direct deposit (offered by employer)
    - You may transfer funds from another bank account into your HSA in any way your bank permits
    - M&T will not charge for incoming transfers
  • Two HSA cards with each account to pay for medical expenses 
  • $2 monthly service fee
  • M&T Bank's HSA Deposit Account pays interest
  • Mutual Fund investment opportunities ($20 annual fee, $3000 minimum balance)1
  • HSA Forms

If you have any questions, please contact M&T at 1-877-MTB-HSA1 (1-877-682-4721).

1 Investments in mutual funds are not FDIC insured, are not a deposit or other obligation of M&T Bank, and are subject to investment risk, including possible loss of the principal amount invested.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice.  After an account is opened or service begins, its features and terms are subject to change at any time in accordance with applicable laws and agreements.

See HSA account disclosures for more information.

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