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Health Savings Account (HSA)
What is a Health Savings Account?

Your HSA benefits

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Personal Online Dashboard

Your personalized online dashboard allows you to conveniently set up, fund, and manage your HSA from your computer browser or on the go with the “Lively HSA” mobile app.

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Easy Contributions & Transfers

Set up post-tax contributions from your bank account, or your employer may be able to make pre-tax contributions into your HSA. Lively doesn't charge for rollovers or transfers from another provider.

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Investment Options

With the triple tax savings, you can take advantage of pre-tax or tax-deductible contributions and tax-free interest and investment earnings, distributions, and investment options.¹

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Free Online Resources

Online tools provide guidance on how much to contribute each year and how your savings will grow over time. Lively also provides free dynamic and timely educational content.

Mobile Check Deposit

Mobile Check Deposit allows you to make deposits to your personal checking account(s) from your camera-enabled mobile device.

Deposits — We accept checks payable to you, drawn on a US bank. Government checks or travelers checks are not accepted.

Limits - $2,500/day, $5,000/month.

Endorsement — Above your signature, add "For mobile deposit only" and include the last four digits of your account number.

Funds Availability — If we confirm receipt of your deposit on a business day before 5pm (CST), we will consider that day to be the day of your deposit; otherwise, your check will be considered deposited as of the next business day. We generally make funds from your check deposits available to you in accordance with the timeframes and in the amounts set forth in your Deposit Account Terms & Conditions agreement. If we decide to delay availability for a longer period, we will notify you by mail. Please retain your deposited check for 60 days and then securely destroy it.

Check Storage — Securely store your check for not more than 45 days. Make sure your deposit has been credited to your account and then destroy the check.

Tips - Trouble capturing check images, please try the following:

  • Clean camera lens
  • Turn on camera flash
  • Place check on a dark surface

Bill Pay

Pay your bills with the click of a button! Forget writing checks and the hassle of stamps and trips to the Post Office. Now you can pay your bills from home, work, or anywhere you have an Internet connection. Digital Banking clients can sign-up for BillPay through Online or Mobile Banking.

Features

  • Add Payees
  • Make New Payments
  • Schedule Recurring Payments

Receive Online Bill Pay for FREE! - Eliminate the $5.95 monthly fee by simply choosing to receive your monthly bank statements via E-Delivery.

Centier Bank uses FIS, a third party bill pay provider. FIS can be contacted directly at 1-800-823-7555.

Protect Yourself in the Event You Lose Your Card

Centier Bank offers a Debit Card On/Off service that gives you full control of your personal VISA® Debit Card to protect your funds against unauthorized use. If you ever misplace your card, you can simply turn it off in three easy steps. If you find it and are confident that it has not been misused, just turn it on again! It is as simple as that.

What Happens When the Card is Turned Off?

When a debit card has been turned off:

  • One-time debit transactions will be declined
  • Any previously authorized or recurring transactions will still be paid.
  • Previously authorized transactions will still be paid, and any recurring transactions you had previously set up will still occur
  • It will not affect your checking, mobile or online transfers, bill payments, or any other type of transaction to your account(s)

Make payments and manage funds easily

HSA Debit Card, the healthy way to pay!

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Easily and conveniently pay your doctor’s office, pharmacy, or any other qualified medical expense where Visa is accepted.

Download the HSA Mobile App!

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The Lively mobile app allows you to manage accounts, reimbursements, healthcare expenses, spending, contributions, and even monitor your investments.

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A Centier Bank HSA, powered by Lively, makes it easy to save for healthcare expenses and access a wide variety of investment options. Lively's resource center gives you helpful HSA articles, guides, tools, and more.

What is a Health Savings Account?

Frequently Asked Questions

What is an HSA?
Am I eligible for an HSA?
How much can I contribute to an HSA?
What can I spend HSA funds on?
Do HSA funds expire?
What is the standard interest rate for a Lively HSA?
Is there a fee to add investments?
Where can I find details about converting my Centier HSA to Lively?

Contact us today!

support@livelyme.com

1 (888) 874-0517

Monday - Friday, 8am - 8pm CT

Disclosures

FDIC insured through Centier Bank, for so long as funds remain uninvested and on deposit with Centier Bank. Centier Bank Health Savings Accounts, powered by Lively are provided by Lively Inc. and are subject to their approval. Lively Inc. is not affiliated with Centier Bank.

¹Contributions to and earnings on HSAs are not subject to federal taxes but may be subject to state taxes depending on where you reside. Centier Bank does not provide tax or legal advice. Seek the advice of your own tax and legal professionals to ensure your compliance with applicable HSA and other laws. Investment options are provided by Charles Schwab and Devenir; fees may apply. 2 Investments are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Lively HSA Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc.