Unifimoney has partnered with UMB Healthcare Services a Top 5 HSA Custodian and a Healthcare Payments leader since 1996 to provide exception value for money for our customers***** (always read the small print. See below for important terms and conditions).
There is no monthly service charge for Unifimoney customers.**
Move your existing HSA account to UMB and get 1% cash back deposited into your HSA account to a maximum $100.00.
The account has no minimum balance requirements, no minimum contribution requirements.
Access your HSA your way with a debit card.
HSAs are becoming more popular every year. They offer more people an opportunity to get a tax break on their medical expenses, even if they don’t itemize on their tax returns. In addition, choosing the right HSA gives you another long-term, tax-advantaged investment vehicle that lets you grow your savings toward financial independence and/or early retirement.
Download the Unifimoney app from the Apple App Store and apply to open an account.
Go to the top right green button and select services
This will take you to a dedicated page on our partners site where you can quickly see your options and apply online.
Customers can manage their account via a dedicated online client portal.
UMB Healthcare Services is a Top 5 HSA Custodian in number of accounts (Devenir 2020 Year-End HSA Market Statistics - March 3, 2021).
*HSA Transfer Bonus
To be eligible to receive the 1% Health Savings Account (HSA) Transfer Bonus (Bonus), you must establish a new Unifimoney HSA and complete a trustee to trustee funds transfer from your existing HSA with an eligible custodian to your new UnifiMoney HSA. Eligible custodians do not include: UMB Bank, N.A.
The amount of the Bonus you may be eligible to receive is one percent (1%) of the amount of the first trustee to trustee transfer contributed to your new Unifimoney HSA from an eligible HSA custodian. The maximum amount of the Bonus is $100.00 USD. The amount of the Bonus will be contributed to your new Unifimoney HSA within 60 calendar days of the receipt of an eligible trustee to trustee funds transfer. The Bonus amount will be reported as an HSA contribution and be counted towards your annual maximum contribution limit which will be reported to the Internal Revenue Service (IRS). Visit irs.gov to determine the annual maximum contribution limit applicable to your individual situation. Unifimoney does not provide tax advice. Please consult with your tax advisor or visit irs.gov for more information on how the Bonus may impact your individual tax situation. The Bonus is intended for the owner of the new Unifimoney HSA and is not transferrable. Eligibility for the Bonus will be verified prior to crediting the Bonus to your Unifimoney HSA. YourUnifiMoney HSA must be in an open status and in good standing to receive theBonus. No minimum balance required to receive the Bonus. Limit one Bonus perSocial Security or tax identification number. Unifimoney reserves the right to discontinue this Bonus at any time, for any reason. Please contact Unifimoney for additional information.
**Other fees and service charges may apply.
***HealthSavings Account Interest Rates
The interest rate and AnnualPercentage Yield (“APY”) applicable to the entire balance in your Account on any given day will depend on which of the six specific balance ranges yourdaily Account balance falls within on that day. The six balance ranges are described above, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level.
Balance Levels We reserve the right to change the interest rate and annual percentage yield on your Deposit Account at any time at our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid.Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks).
Fees could reduce the earnings on the account.
**** Investments in securities through the UMB HSA Saver account are:
Not FDIC Insured | May Lose Value | No Bank Guarantee
*****UMB Healthcare Services is a Top 5 HSA Custodian in number of accounts (Devenir 2020 Year-End HSA Market Statistics - March 3, 2021.
Deposit products offered by UMB Bank, N.A. Member FDIC. Copyright© 2020. UMB Financial Corporation. All Rights Reserved. UMB is a registered service mark of UMB Financial Corporation.