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Why choose Accordia Bank's HSA?

Accordia Bank is both the HSA custodian and the administrator. Many HSA programs split those roles between a third-party administrator and a separate bank. We don't. We are the regulated bank that holds the deposits, runs the platform, and provides customer service.

HSA, Health FSA, Limited-Purpose FSA, Dependent Care FSA, HRA, Commuter, Lifestyle Accounts and COBRA administration all run on one platform, with one debit card, one employee portal, one mobile app and one employer portal. Employees carry a single card across every account they hold.

The HSA carries no employer administration fee and no monthly accountholder maintenance fee. Accordia price-matches competitive, apples-to-apples proposals on the other account types.

We are file vendor agnostic — we work with any payroll, benefits administration or file vendor, with no forced system changes and no rigid file formats. Eligibility, census and contribution files drive automated account opening, contribution posting and payroll reconciliation. Implementation includes a dedicated lead, secure file transfer, and card fulfillment.

Switching is handled for you. Coordinated trustee-to-trustee transfers from the incumbent custodian, with employee communications and consent support, and in many cases, Accordia may cover the incumbent's account closure fee for any employee who transfers during the coordinated process.

Accordia Bank is a trade name of Quill Bank, a Utah state-chartered bank and qualified HSA custodian under the Internal Revenue Code, headquartered in Pleasant Grove, Utah.