ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

All Family First branches and the call center will be closed on Monday, May 27 for Memorial Day. We hope you have a safe and enjoyable holiday.

Family First will be holding our Annual Meeting on Wednesday, March 24 at 8:30 AM at our Browncroft Office. Click this link to join us virtually through Microsoft Teams.  


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.

Family First has partnered with Superior IRA & HSA to develop a secure online portal for you to manage your HSA yourself. The first time you use this portal you will have to verify your identity and create a password (Be sure to use the e-mail address you have on file with Family First).

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.”

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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