Health savings accounts are ideal for anyone wanting to take control of their health care costs. The question today is less about whether to open an HSA and more about choosing the right administrator. Fremont Bank offers a simple, reliable and personal approach to paying for health care while saving for the future.

Online Enrollment and Account Management
For your convenience, you may now enroll online. Account Holders may make deposits and take disbursements through our eChecking service. Other features include the ability to log-in and review account information, calculate contribution amounts and many other on-line tools. For online assistance, please call us at (800) 554-6145 or email us at hsa@fremontbank.com.

Education About HSAs and Account Set-up
We are available to attend employee meetings to educate, enroll and establish health savings accounts at an employer worksite, or on a one-to-one basis with individuals who are self employed.

Account Contribution Management
Employer specific services including reports on contributions and disbursements, reports that distinguish between employer and employee contributions for tax purposes, and the ability to provide automatic deposits from multiple sources for each individual employee account.

Record Keeping
Data collection and record keeping of deposits and disbursements. Fremont Bank HSA automatically scans and archives all Explanation of Benefits (EOBs) and receipts and will provide these documents in the event of an IRS audit. Notification to account holder if deposits exceed the maximum amount allowed by law and/or distributions that do not appear to meet the IRS definition of qualified medical expenses.*

Bill Paying Services
Payment of health care service bills (based on Explanation of Benefits) to providers with prior approval from individual account holders or as a reimbursement to the account holder. Fremont Bank HSA automatically reviews all Explanation of Benefits (EOBs) and receipts for HSA compliance and verifies that the correct network discounts have been applied to ensure that account holders never pay more than they should.

Personalized Customer Service
Service is available via phone at (800) 554-6145, Monday - Friday from 8:00am to 6:00pm Pacific Time, via email at hsa@fremontbank.com and via mail to:

Fremont Bank HSA
PO Box 4556
Hayward, CA, 94540-4556

Account Statements
Quarterly statements for HSA account holders and employers are provided to keep them well informed about account activity. This information is also online. Go to the Login section of the website and access statements using your personal log-in information. If you need help, call us at (800) 554-6145 Monday-Friday from 8:00am to 6:00pm Pacific Time.

* Fremont Bank is not responsible for determining if your distributions are for a qualified medical expense. If you would like more information about qualified medical expenses, please refer to the IRS Publication 502: Medical and Dental Expenses. To order IRS Publication 502, call 1-800-TAX-FORM (1-800-829-3676), or go to www.irs.gov. Please consult with your tax advisor.

To get further information about Fremont Bank's HSA please contact us at:

Email: hsa@fremontbank.com
Call: (800) 554-6145