Health Savings Accounts for Employees
Complete their benefits package with a Health Savings Account (HSA)


Keeping Employees in Mind
When you partner with WaterStone Bank, your employees save when they pay for health care services on a pre-tax basis with a qualifying High Deductible Health Plan (HDHP). Earn more with our new competitive rate structure.

Help Cover Healthcare Costs When They Need it
These benefits are great reasons why an HSA account can help today:
- Lower overall health care costs
- No annual fee
- HSA funds roll over to the next calendar year
- Increased savings power with tiered interest rates
- Easy access with a HSA Debit Card with ScoreCard Rewards and unlimited check writing
- View balances, make transfers and distributions on our Digital Banking app
Frequently Asked Questions
You Might Also Like

Business Savings
Build your business’s financial foundation with savings accounts that offer competitive rates and easy access to funds when you need them.

Credit Cards
Get the flexibility and rewards you need with a WaterStone Bank credit card—secure, convenient, and designed for your lifestyle.

Business Checking
Manage your business finances with accounts that work as hard as you do, offering flexible features and cash management solutions.
What can we help you with?
Have questions about your banking needs? Our friendly team is here to help. Whether you’re opening your first account, choosing the perfect credit card, or planning your financial future, we’re ready to provide personalized support and guidance. Reach out to us by visiting your nearest branch, giving us a call, or making an appointment. WaterStone Bank is here to make banking easy and stress-free for you.
Customer Support Center
Visit a Branch
With 14 locations across Milwaukee, Waukesha, and Washington counties, our friendly team is ready to assist you with personalized service, expert guidance, and banking solutions tailored to your needs.
Schedule an Appointment
Save time by booking an appointment for personalized assistance. Open a new account, set up beneficiaries, or access services like notary, overdraft protection, and currency exchange.
Latest Insight & Education
Stay informed and empowered with our collection of articles and tools. Whether you’re looking to improve your financial knowledge or explore tips for better banking, our resources are here to guide you every step of the way.
‡Additional account required.
Minimum Balance to open all Checking accounts is $100.00. See account disclosure for more information.
^With 5 Debit Card purchases or more that have posted and settled to the checking account each statement cycle (ATM transactions do not qualify) or direct deposits of payroll or government benefits totaling $300.00 or more each statement cycle; otherwise a monthly usage fee of $10.00 will be imposed. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening.
^^With $1,000.00 average daily balance, or have $5,000.00 or more in average daily balances for the statement cycle of related accounts, or qualify to participate in the Classic Club, Charitable Checking, BRAVO, MVP or HERO Program; otherwise $25.00 monthly minimum balance fee will be imposed. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening.
*Subject to credit approval