Family First
Family First

Beginning the week of June 6, the hours at our Henrietta Branch will be changing. Please click here for more information.

All Family First branches and the Call Center will be closed on Monday, October 10 for Columbus Day. Have a safe and enjoyable holiday.

ALERT: Family First has recently been made aware of a scam spoofing our 585.586.8225 phone number. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn More…


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.
medicine and coins

Take it with You

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

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 make it work for you by investing in a Health Savings Account. Take advantage of tax deductions when you make contributions to your HSA. Also enjoy tax-free earnings from your investments and tax-free withdrawals for qualified medical expenses.
At Family First, your Health Savings Account has no fees and several convenient ways of accessing the funds when you need them. Use a savings account or investment certificate for long-term funds and use a checking account with a debit card for immediate access. Keep track of your HSA online with our On-line banking.

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