THANK YOU FOR CHOOSING HOME FEDERAL BANK

Thank you for opening your Health Savings Account with Home Federal Bank. Access to your Health Savings Account is easy. In addition to the checks included in your Welcome Kit, you will have received your Visa® Debit Card allowing easy payment access from your Health Savings Account. You have other convenient methods for making a deposit/withdrawal or contribution from your Home Federal Health Savings Account.

Deposits/Withdrawals

There are a few ways for you to make deposits/withdrawals to your Health Savings Account. Additionally, local account holders can make deposits to their Health Savings Account at any convenient Home Federal Bank location or Home Federal ATM.

How soon will I have access to my funds after you receive my HSA deposit?
Please refer to the Customer Account Agreement funds availability section.

What is my account balance or have you received my deposit yet?
You may call Home Federals 24-hour automated voice response system (Homeline) at (800) 871-9505 to obtain your current account information. Or you may use our E-Banking system, by going to, www.myhomefed.com and following the instructions for accessing your account via the Internet.

Where should I send my deposits?
Once your account is established, you should send your deposits directly to:

Home Federal
Attn: HSA accounts
PO Box 190
Nampa, ID 83653-0190

Who do I make my check payable to?
Make your check payable to Home Federal. Be sure to reference your account number on the bottom left of the check.

Can I arrange for an automatic deposit into my HSA?
Yes. You can fill out the Automatic Authorization Form or you may call us at: 1-(800) 871-9505 to establish an automatic deposit.

Can I change the amount of my automatic authorization deposit into my HSA?
Yes. You can fill out the Revocation/Modification of Automatic Transfer Authorization or you may call us at 1-(800) 871-9505 for more information.

Do deposits have to be made on a monthly basis?
No. Deposits can be made to your account at any time.

Checks

You received a starter pack of checks and deposit slips upon opening your account. Remember the checks should only be used for qualified medical expenses and you can write one check per month each additional check is $2.00 each. Images of your checks will accompany your monthly bank statements. You should receive your monthly bank statement 10-12 business days after the end of the each month.

How do I order additional checks?
Complete the "Request for Personalized Documents" form at the front of your checkbook and mail it to:

Home Federal:
Attn: Customer Services
PO Box 190
Nampa, ID 83653

or call Home Federal Savings at 1-(800)-888-7283 and request additional checks over the phone. The bank will charge your HSA for the cost of the checks ($11.65 for 50 wallet checks). TOP

Payroll Deductions

In a Section 125 Cafeteria Plan, employers can take your Health Savings Account contributions out of each paycheck on a pre-tax basis. You will need to contact your employer's payroll department or Human Resource division to implement this procedure. The employer will typically send one check for all employees' contributions and will work directly with the employee to determine amounts and frequency of deposits using this method. Home Federal doesn't offer payroll services.

Visa® Debit Card

Being one of the First Financial Institutions in the country to offer Visa® Debit Card access on our Health Savings Accounts, Home Federal understands the convenience this service offers, by allowing you to pay for your qualified medical expenses at millions of locations worldwide. The money is immediately taken from you Health Savings Account giving you the purchasing power when utilizing your health care professionals.

You have the option to receive two free debit cards when you open your Health Savings Account. The HSA is an individual account, however, in the section on the application labeled Power of Attorney, you can request a card in both the account holders name and the designated Attorney-in-Fact.

Hints for Debit Cards
Merchants are trained to ask if you card is either a debit card or a credit card. Just as the title describes Visa® Debit Card, you card is considered a debit card. However, should you forget your PIN, the merchant can swipe your card requiring you to sign for the transaction and the money will be debited immediately from your account. In some instances we are finding many of the merchants will request you to use your PIN when using your Visa® Debit Card at the point of service. Typically, the merchants making this type of request are pharmacies, however, are in no way limited just to that specific group. Like using the ATM, this pin associated transaction listed above will typically access a fee to process the transaction as opposed to running the transaction as a signature based transaction.

Opened Account Did Not Originally Request Visa® Debit Card
If you already have a Health Savings Account with Home Federal Bank and did not order a card at opening, simply call the customer service department at 1-(800) 871-9505 and they will be more than happy to order and issue to you.

Replacement Visa® Debit Card
Should you need a Visa® Debit Card replaced that has been lost or stolen, simply call a customer service representative at 1-800-871-9505 and the bank will charge your HSA for the cost of the new Visa® Debit Card ($5.00 for replacement cards).

Frequently asked questions about the Visa® Debit Card.
My PIN will not work on Homeline or E-Banking.
Your Homeline/E-Banking PIN is different from your VISA® Debit Card PIN. When you get ready to access Homeline, please call Home Federal at 1-(800) 888-7283. The first time you access Homeline, your PIN is the last four digits of your social security number and the system will prompt you to change it. This WILL NOT change your PIN associated with your VISA® Debit Card.

If you need assistance in accessing Homeline or E-Banking, customer service representatives are available Monday through Friday 8:30 a.m. to 6:00 p.m. and Saturdays from 9:00 a.m. to 5:00 p.m. MST at 1-(800) 888-7283.

Can we select a specific PIN for our VISA® Debit Card?
Unfortunately, our system does not allow you to order a specific PIN and the only locations where you can change your VISA® Debit Card PIN are at Home Federal Savings ATMs in Idaho.

My VISA® Debit Card will not work at the ATM.
Did you select the "checking withdrawal" option? HSAs are checking accounts and you are limited to $300 per day in cash withdrawals. Did you use the PIN assigned to your VISA® Debit Card? For security, your Debit Card PIN should have arrived in the mail two to three days after the card. Also, check to see if the ATM is a part of one of the networks listed on the back of your card like the PLUS, STAR or Cirrus networks?

Anytime you have additional questions, please call our Customer Service Representatives at (208) 468-5000 (in the greater Treasure Valley) or toll-free at (800) 871-9505 (from outside the greater Treasure Valley). Automated account information is available 24 hours each day, and our representatives are available Monday through Friday, 8:30 am until 6:00 pm and Saturday, 9:00 am until 5:00 pm MST. Information is also available on-line at www.myhomefed.com or www.HomeFedHsa.com.

Once again, welcome to Home Federal Bank. Your account is in good hands with Home Federal, one of the largest providers of Health Savings Accounts in the United States. We look forward to providing you service beyond your expectations! With Us, It's Personal!