First Niagara's Health Savings Account (HSA) makes it easier to afford a health insurance plan with a high deductible.

• An HSA is a tax-exempt account used for paying qualified medical expenses until you meet the deductible of your health plan.
• Both employers and employees can contribute to the HSA.
• Contributions are pre-tax.
• Withdrawals for qualified medical expenses are non taxable.
• Funds rollover from year to year.
• First Niagara's HSA has no monthly maintenance fees, origination fees or penalty fees.
• We offer easy access to your account with a free debit card and free checks.
• There is no monthly minimum balance requirement or opening amount.