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HSA INFORMATION CENTER
HSA > Businesses & Employers > Employer Education
HSA101-B: Introduction to Health Savings Accounts for Business
- What is a Health Savings Account?
Obtain a basic overview of HSAs by reading our simple explanation of Health Savings Accounts.
- How do HSAs work?
Learn about the components that make up HSA plans and how they relate to each other.
- Do HSA plans help control benefit costs?
Yes! The tax law that created the HSA plan is designed to reduce employer benefit costs compared to traditional insurance, both at
set-up and renewal. Use this calculator to estimate cost savings.
- Who contributes to employee HSA Savings accounts?
Anyone or no one. Contributions to HSA Savings accounts are not a requirement when providing HSA eligible insurance to your
employees. Some employers provide a portion of the annual contribution as an additional employee benefit that provides the business tax advantages. Discuss your company's circumstances with a tax advisor to determine what's best for you.
- How can I get started?
Talk with your employer benefits coordinator to learn of qualified insurance plans available. Ask that your coordinator work with Community Bank of San
Joaquin to ensure service from local HSA experts who are available for in-person and on-site assistance.
Consultation and Personal Assistance
- What if I have more questions about HSAs?
If the information available from our web site does not answer all your questions, contact Community Bank of San Joaquin for personal assistance or a free consultation.
- Is anyone available to explain HSAs to my employees?
As a customer focused business bank, Community Bank of San Joaquin uses a variety of methods to educate employees regarding
HSAs, including:
Additional Web Resources
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Community Bank of San Joaquin is participating in the FDIC's Transaction Account Guarantee (TAG) program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.
Noninterest-bearing checking accounts include Demand Deposit Accounts (DDAs) and any transaction account that has unlimited withdrawals and that cannot earn interest. Also included are low-interest NOW accounts (NOW accounts that cannot earn more than 0.50% interest through June 30, 2010 and no more than 0.25% thereafter) and Attorney-Client Trust accounts, also known as Interest On Lawyers Trust Accounts (IOLTAs).
Coverage under the TAG program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
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Lost or stolen Visa® Check Card, call
(209) 956-7000 Monday-Friday 9am-5pm or
1-800-754-4128 after hours.
For other important telephone numbers, click here.
Community Bank of San Joaquin
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Main Office
22 West Yokuts Avenue
Stockton, CA 95207-5715 [map]
209-956-7000
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Waterloo Office
4426 East Waterloo Road
Stockton, CA 95215-2306 [map]
209-373-4300
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Services Available:
Administration, Branch, Loans,
Full-Service Drive-Up, ATM* and
Night Depository*
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Services Available:
Branch, Loans, ATM* and
Night Depository*
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Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
Saturday 9am-1pm
and By Appointment
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Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
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*This service available 24 hours a day.
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