Open a Health Savings Account


Opening a Personal Health Savings Account

To open an HSA, you will need to follow these steps:

  1. Open a High Deductible Health Plan1 (HDHP) through your employer or an insurance agent.
  2. Apply for a Health Savings Account. Enrolling in an HDHP will not automatically open your HSA. To apply for a NBSC HSA, you can either visit one of our branches or use the form on this website. If you choose to use the website, you will need to complete the following:
    • Read and print or save the agreements and disclosures on this website.2
    • Complete and submit the application form to us online using our secure server.
    • Print and sign the completed application. Please note that submitting this information online does not allow us to begin the approval process. We must have your signed application to proceed.
    • Make a copy of your photo ID (driver's license, passport, or alien registration card) to mail with the application.
      1. If the address on your photo ID does not match the address on your application you will need to submit a second form of ID (major credit card, utility bill or insurance invoice/bill).
    • Mail the signed application, along with the copies of your identification to:
            HSA Operations
            P.O. Box 1828
            Columbus, GA 31902
  3. If we approve your application, your account will be opened within 2 business days after the application is received. A letter containing your account number and other pertinent information concerning your new HSA will be mailed after the account has been opened. You will then be able to make contributions (please see FAQs) to your account. The debit card(s) will be mailed to you within 7 to 10 business days after the account is opened.
  4. To access funds in your HSA, you can use your debit card or write checks. To reimburse yourself for any qualified out-of-pocket expense, you can either write yourself a check or go to any of our branches to make a withdrawal.

For more information about the HSA, please refer to our Frequently Asked Questions or the IRS website,

You can also call our toll-free customer service line at 1-877-367-4HSA.

Health Savings Account Pricing

Service Charges2

  • A Maintenance Fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the statement cycle.
  • $1.00 per check paid
  • $25.00 account closing fee if closed within 180 days of opening
  • $4.00 debit card replacement fee
  • FREE debit card transactions
  • FREE initial 2 debit cards
  • FREE Online Banking
  • FREE check orders
  • Normal miscellaneous checking account fees apply

Click here to proceed

Investment products and services provided by Synovus are offered through Synovus Securities, Inc ("SSI"), Synovus Trust Company, N.A. ("STC"), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested.

Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank.

1. Please refer to or consult your tax advisor for more information.
2. A Truth in Savings disclosure which contains all account fees and the current interest rate (APY) paid on the account is included in the disclosures on this website. If the interest rate (APY) changes between the time you print your application and account opening, you will receive a letter with the revised Truth in Savings disclosure that is in effect at the time your account is opened.