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First National Bank
P.O. Box 540
623 Elm St.
Graham, TX 76450
T: (940) 549-2040
F: (940) 549-4574
Email the Bank
Lobby Hours
M-F: 9 a.m. to 5 p.m.
Motor Bank Hours
M-F: 9 a.m. to 6 p.m.
Bryson Branch
300 Dempsey
Bryson, Texas 76427
T: (940) 392-2511
F: (940) 392-2234
Lobby Hours
M-F: 9 a.m. to 3 p.m.
F: 4 p.m. to 6 p.m.
First Call
(855) 482-6897


Health Savings Account


HSA Benefits

  • Contributions excluded from gross income
  • Tax-deferred interest earned on balance
  • Tax-free distributions if used for qualified medical expenses
  • Contributions remain in your account – year to year
  • HSA is portable – stays with you if you leave your employer or work force
  • At age 65, balance is considered a “savings” account; withdrawals are taxable but may be used for any purpose
  • If spouse is named beneficiary upon death, it transfers to your spouse as an HSA
  • Minimum balance of $100 to open
  • Earns interest at Money Market Savings interest rate until balance reaches $10,000 or greater, then changes to 1year CD rate
  • Monthly statements
  • Automatic monthly transfers available from your checking/savings accounts to your HSA
  • Monitor your HSA via Internet Banking
  • FDIC insured
  • Department of Treasury Link for more information:
    www.treas.gov/offices/public-affairs/hsa/faq basics.shtml

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