HSA INFORMATION CENTER

HSA > Individuals & Families > Participant Education

HSA101-P: Introduction to Health Savings Accounts for Participants

• What is a Health Savings Account?
  Understand 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.
   
• Will an HSA Plan save me money?
  Yes! HSA-eligible health plans have lower premiums than traditional health insurance and limit annual out-of-pocket expenses. Plus you can reduce your taxes, set aside money for future use, and keep your savings even if you change jobs or insurance plans. Calculate your savings now!
   
• How can I get started?
  Talk with your insurance broker or provider to learn of HSA-eligible plans available to you. After choosing a policy, contact Community Bank of San Joaquin to establish your HSA Savings account.

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 employer?
  As a customer focused business bank, Community Bank of San Joaquin uses a variety of methods to educate business owners and employers about HSAs, including:
   
• General HSA information related to business owners and employers on this web site under "HSAs for Businesses and Employers"
   
• Free on-site presentations and business banking evaluation for businesses, and
   
• One-on-one assistance by calling (209) 956-7000.

Additional Web Resources

• HSA Frequently Asked Questions for Participants
• HSA Calculators
• Bank Forms and Downloads
• Government Links & IRS Forms
• More Help with HSAs

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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.

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

Main Office
22 West Yokuts Avenue
Stockton, CA 95207-5715 [map]
209-956-7000
 

Waterloo Office
4426 East Waterloo Road
Stockton, CA 95215-2306 [map]
209-373-4300

Services Available:
Administration, Branch, Loans,
Full-Service Drive-Up, ATM* and
Night Depository*
 

Services Available:
Branch, Loans, ATM* and
Night Depository*
 

Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
Saturday 9am-1pm
and By Appointment
 

Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
 

*This service available 24 hours a day.

Member FDIC

Equal Housing Lender