HSA & Benefit Spending Accounts for Employers

Benefit Spending Accounts made easy. For you. For your employees.

With UMB at your side, you are partnering with an experienced administrator that is dedicated to helping you and your employees realize all the perks of UMB Benefit Spending Accounts.

  • HSAs - FSAs - HRAs
  • Lifestyle & Commuter Accounts

You are also taking an active step to better control your costs, while encouraging employees to be better healthcare consumers and giving them the tools to save.

Employer Solutions


Benefit Spending Accounts

With UMB, your employee HSA and benefit spending accounts program will be made easy, effective, and hassle-free.

HSA tax advantages

By implementing an HSA solution both you and your employees can benefit from significant tax savings.

HSA enrollment and contributions

UMB provides you with easy and flexible enrollment and contribution options to get your employees saving in their HSA.

HSA resources and education

Get answers to your frequently asked questions as well as access to a variety of helpful tools and calculators

HSA Contribution Limits1

Are you 55 or older? If so, you could be making extra "catch-up" contributions











See full table of contribution limits, minimum deductible and maximum out-of-pocket expenses.

HSA Eligible Expenses

View the list of qualified HSA Expenses.

HSAWorks® reporting and analytics tools

UMB’s HSAWorks is a beneficial resource for planning, communicating, and implementing benefit strategies. HSAWorks provides direct access to a wealth of information without the need to contact UMB or a third party.


Smart tools for you

We provide you with an industry-leading, turnkey HSA that’s easy to implement and operate.

Simple and secure online access to key information and real-time reports
Educational support to drive employee adoption and engagement—including decision support tools and welcome kits
Flexible enrollment options
A business portal that offers easy and secure access to real-time account information, along with reporting and data analytics tools

An effortless experience for your employees

Our suite of benefit accounts bundles UMB’s industry-leading experience and technology with flexible solutions and the ease of use that employers have come to expect.

A secure member portal that simplifies the claims experience and keeps accountholders informed in real time via texts and emails
Phone, email and chat support from knowledgeable, U.S.-based representatives
A convenient way to pay bills, reimburse themselves for expenses, and access discounts and online shopping offers
Self-directed investment options for their HSA funds

Connect with UMB Healthcare Services sales representative today

About UMB Healthcare Services

Learn more about UMB Healthcare Services and how we deliver healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.

Brad Christensen headshot

Brad Christensen CHSA®, FCS, HSAe

VP, Sr. Business Development Officer


Regions served: AK CA CO HI KS NV OR UT WA MO

Remote video URL

All mention of taxes is made in reference to federal tax law. Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice. 

Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.

Benefit spending accounts are NOT deposits or obligations of UMB Bank, N.A. and are NOT insured by the FDIC.

High-Deductible Health Plans constitute insurance products, which are not offered by UMB Bank, n.a. and are not FDIC-insured.