Family First
Family First

We are currently experiencing issues with our call center phone system and some calls may not connect. Our vendor is working on this issue. We apologize for any inconvenience.  

The Penfield ATM is being serviced and is temporarily unavailable. We apologize for the inconvenience.

We have been informed that some debit and credit card authorizations are currently being rejected. Our card processor has been informed and is working to rectify the situation. We apologize for any inconvenience this may cause.


Health Savings Accounts

​Want more control over your medical expenses? Have you recently had to change to a High Deductible Health Plan (HDHP)? Consider a Health Savings Account (HSA) to help you save for future medical expenses. A Family First Health Savings Account is a no-fee, tax exempt account established exclusively for the purpose of paying medical expenses when you have a High Deductible Health Plan.

Savings & Security

Together, your Health Savings Account and High Deductible Health Plan can protect you against high or unexpected medical expenses. Grow your money with investment Savings and Certificates. Your contributions are federally insured to $250,000.

Gain Control & Enjoy Flexibility

You can use the funds in your account to pay for current medical expenses, including expenses that your insurance may not cover, or save the money in your account for future needs. You decide how much to save and when to use it.

Take it with You

Your HSA is completely transferable! Take it with you even if you change jobs, become unemployed or change your medical coverage. With an HSA there is no such thing as “use it or lose it.”

medicine and coins

A Smart Way to Save

With your High Deductible Health Plan, your health insurance premiums are lower so you can take that extra money and invest it in a Health Savings Account. Take advantage of tax deductions when you make contributions to your HSA, tax-free earnings from your investments, and tax-free withdrawals for qualified medical expenses.

At Family First, there are several convenient ways to access the funds in your HSA when you need them. Use a savings account or certificate of deposit (CD) for long-term investments and use a checking account with an HSA debit card for immediate access. Keep track of your HSA and check your balances from anywhere with online banking and our Free Mobile App!

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See what Family First is all about.

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