We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financial Services

HSA Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

This profile includes complaints for HSA Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

HSA Bank has 6 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • HSA Bank

      605 N 8th St Ste 320 Sheboygan, WI 53081-4525

    • HSA Bank

      PO Box 10305 Watebury Waterbury, CT 06726-0305

    • HSA Bank

      PO Box 10305 Waterbury, CT 06726-0305

    • HSA Bank

      605 N 8th St Ste 320 Sheboygan, WI 53081-4525

    • HSA Bank

      211 N Wisconsin Dr Sheboygan, WI 53083-1118

    Customer Complaints Summary

    • 123 total complaints in the last 3 years.
    • 50 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a ************** Account with ***. They reimburse you for medical expenses. I had an MRI for severe problems with my back and spine. They have the receipt for the expense, they know it was an MRI, and yet they keep demanding more information. They have also removed the money from my account, even though they have not reimbursed me. I spent an hour with them on the phone trying to get this resolved. I've also had my employer contact them 5 times now (************************/***********************************). There is also no way for me to submit any more information to them directly on their website. My goal here is to get them to stop stalling and reimburse me to my bank account, and they have this information

      Business Response

      Date: 04/21/2025

      Please be advised that a written response dated April 21, 2025 was mailed to Mr. ******** addressing his concerns. 

      Customer Answer

      Date: 04/21/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

      ****** ********

    • Initial Complaint

      Date:04/08/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I submitted $5000 worth of receipts to get my money back from the dependent care of my HSA. Everything was submitted on same day all of the receipts were submitted in the same fashion prior to their deadline of March 30 3/4 of the money was paid out immediately. The other 1/4 was held up pending verification of the program I sent my kids to. When I called to ask about how to get the other money back, I was told they did not know what the Stars program was, and I had to send in a pamphlet, proving that it in fact was an afterschool program. Mind you they had appropriated 3/4 of the amount for the exact same program with no additional verification. I sent in the pamphlet to the email that they gave me. It was still in pending status, so I called to check up and I was told that I was misdirected and now I had to get a physical form fill it out with the name of the program, what it was for, the dates of service were and go into the ******************* and have someone physically sign it because the receipts and the pamphlets were not good enough.. mind you they were good enough for the other 3/4 that I was already reimbursed for. I submitted this and $300 of that was approved but it was not for $700. I once again called to check on it. Two different times I was hung up on one time. I waited on hold for 30 minutes and they sent me to the survey and hung up on **** was told they would call back and let me know what else was needed. I never received a phone ******** I have called back trying to figure out what else I need to submit. I resubmitted everything that I have sent in previously. The attendant threatened that I had missed the March 30 deadline because I could not prove what dates I sent in the *********** which I told her that was completely false and on the last conversation, I was told that as long as you have submitted something that March 30 deadline doesnt apply. I am waiting now another 2 to 3 business days where I will have to call them back

      Business Response

      Date: 04/15/2025

      A written response dated April 15, 2025, was mailed to Ms. ******** addressing her concerns. 

    • Initial Complaint

      Date:04/06/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Paid a medical bill online on April 1. HSA bank did not actually pay it until April 4. Why the delay? Why take so long to pay a bill the account holder has authorized? Practice still has not received the money. Why the wait to pay it? The only thing that will satisfy me is a viable explanation as to why they wait to days to pay a bill the account owner has authorized.

      Business Response

      Date: 04/07/2025

      A written response has been sent to the client via US Postal mail. 

    • Initial Complaint

      Date:03/31/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have an Retirement account benefit from my former employer where we are entitled to get reimbursed $100 a month towards the cost of premiums. I have received $800 from 2024 thus far, but despite repeated phone calls to obtain the remaining $400, despite assurances that it would get paid, it has not been paid. First attempts began in early march with phone calls weekly to *** for resolution. Employer was LyondellBasell & account ends in 5131. (I've never before had issues receiving this benefit, but it was a different bank)

      Business Response

      Date: 04/14/2025

      Please be advised that a written response dated April 14, 2025 was mailed to Ms. **** addressing her concerns. 

      Customer Answer

      Date: 04/17/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

      ****** ****

    • Initial Complaint

      Date:03/31/2025

      Type:Customer Service Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      HSA Bank will not update our admin portal to account for switching primary representatives of our business that handle the *** and health insurance administration. We have submitted multiple forms that they have asked for and this has been going on for two months. They are incredibly slow to respond to email requests and continue to ask us for the same form that has been submitted multiple times.

      Business Response

      Date: 04/04/2025

      A written response dated April 4, 2025 was mailed to Mr. ****** addressing his concerns.

      Customer Answer

      Date: 04/04/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

      ***** ******

    • Initial Complaint

      Date:03/30/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am a private practice physician and our group has had an HSA account with ********************** for years. All of us within the group recently decided to use Fidelity instead of HSA Bank as the custodian for each of our HSA accounts. I did initiate the transfer process for my account from **** to Fidelity, through BOTH entities, however this rocess was begun by myself several months ago, and HSABank has been dragging its feet. I was asked by **** to liquidate all assets, and I completed that process 6 to 8 weeks ago and, although the money has sat in cash in their account, and I have made several calls to HSABank, there is still no transfer of assets to this date. I feel that this is a light form of theft, as they hold the cash, and collect interest, while I continue to wait for my assets to transfer. When I call, I am just told that the transfer will happen, and nothing ever does. I would like for others to know this, so they think twice about using HSABank. Sincerely,****** ******* MD

      Business Response

      Date: 04/09/2025

      Please be advised that a written response dated April 9, 2025, was mailed to Mr. ******* addressing his concerns. 

    • Initial Complaint

      Date:03/20/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been fighting with HSA bank for two months to simply have an expired debit card ***laced. I received my first email on 1/15/25 that a new card was being sent to me as my card expired in 2/25. After waiting for a month I called customer service and explained the card had not arrived. After questioning me about the date it was sent despite email proof, another card was issued on 2/15/25. Today is 3/20/25 and I have yet to receive a new card. I requested a third card myself through their app on 3/15/25 after waiting yet another month. I have emails with customer service requesting answers as to why this is occurring, they send back a pre written response. I spent over 30 minutes on the phone today with another *** who only focused on the most recent card I requested not the other two that never arrived and are well beyond their ***** business day timeframe. I confirmed my address, where Ive lived since 2016 and received mail from HSA bank at before, multiple times. Im being told I have to continue to wait to see if the third card has arrived, with no accountability or explanation from HSA bank, this is incredibly irresponsible business practice and has interrupted my medical care because I am unable to use the account I pay them fees for and contribute money to each month. Ive been told it could be an issue with my address but there is no accountability the this could be on them. Ive also contacted my local post office and they have not found any cards. Saying two cards for the same person have been lost in the mail is absolutely ridiculous. Their solution is to keep waiting and have my use of the account and medical care and payments further interrupted. Theyve tried to blame me in every way they can, and have offered no solutions. All I want is a debit card ***lacement, mailed with rush shipping and a tracking number, it should not be this complicated.

      Business Response

      Date: 03/26/2025

      Please note that Ms. ****** was contacted directly and a written response dated March 26, 2025 was mailed to her addressing her concerns. 

    • Initial Complaint

      Date:03/09/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My Husbands former employer, Lyondell *******, deposits $100.00 every month into my account with ********************** as a reimbursement for a ******** supplemental policy. At this time there is $175.79 in my account. After numerous phone calls and E mails, they are refusing to fix the problem. My husband, **** *******, filed a claim last week with the BBB and in 2 days the problem was solved and HSA bank released the money that was owed to him. I am asking that whoever in your office contacted HSA bank, do the same thing for me.

      Business Response

      Date: 03/18/2025

      A written response dated 3/18/2025 was mailed to the client, Ms. ******** and addressed her concerns. 

    • Initial Complaint

      Date:03/05/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My former employer ********, reimburses me and my wife $100 each every month to cover our costs for a ******** supplemental policy. ******** sends this money $100 every month to HSA bank and they are supposed to forward this $100 to us. We only partial payment For Feb 2025 and nothing for March 2025. I have contacted their service **** on several occasions and they always promise to resolve this matter but nothing changes. Last year I contacted the BBB on the same matter and it got resolved quickly. I'm hoping you can do the same this year again.

      Business Response

      Date: 03/18/2025

      A written response dated 3/18/2025 was mailed to the clients and addressed their concerns. 

    • Initial Complaint

      Date:03/04/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      HSA BANK sent Rollover Check on 02/10/2025 to ****** ******. We do not have an active account with ********************** & this money belongs to ************** ******************* in *******, ***** *****. Phone #************, Fax #************. Called HSA Bank requesting $13.74 be returned to Grace ********* Sent four emails to HSA BANK with No response. THIS MONEY BELONGS TO ***** WELLNESS. For *** audit purposes, a check made payable to ****** ****** is unacceptable. HSA Bank, please return $13.74 to Grace ******** ************* *******, *****, *****.

      Business Response

      Date: 03/14/2025

      A written response addressing the client's concerns was mailed on March 14, 2025. 

    HSA Bank is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.