Whether you want to reimburse yourself for an IRS-Qualified medical expense paid out-of-pocket or you want to pay directly from your HSA, Superior Choice Credit Union offers multiple options for accessing your funds. NOTE: All transactions are limited to your available cash balance.

HSA Debit Card – Your Superior Choice HSA Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals. The daily debit card limit for the HSA Debit Card is $2,500 at merchants dedicated to healthcare.  These limits exist as a safeguard against fraudulent activity. We offer multiple options to pay for an expense that exceeds the daily debit card limit. Transaction fees may apply when used with a PIN.**

Checks – A book of 30 duplicate checks can be ordered upon request for an additional fee.** You can use these checks to pay providers or reimburse yourself for expenses already incurred. There is no daily limit on dollar amounts.

Online Transfers – On Superior Choice’s Member Website or mobile app, you can reimburse yourself for out-of-pocket expenses by making a one-time or reoccurring online transfer from your HSA to your personal checking or savings account. There is no daily limit.

Online Bill Pay – Use this feature to pay medical providers directly from your HSA. There is no daily limit.

*You can pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren’t typically covered by health insurance plans. This includes deductibles, co-insurance, prescriptions, dental and vision care, and more. For a complete list of IRS-qualified medical expenses, visit

**For applicable fees, see the Superior Choice Credit Union Fee Schedule.

*Consult your tax professional.