HSA & IRA Savings Accounts | Cogent Bank - Serving Florida

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Routing Number

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Personal Banking      Banking      Tax-Advantaged Accounts

Tax-Advantaged Accounts

See the unique benefits of having a tax-advantaged HSA or IRA account.

What is a Health Savings Account?

A health savings account is a tax-advantaged savings account you can use to pay for eligible medical expenses, including deductibles, co-insurance, prescriptions, vision expenses, dental care, and certain health-related purchases. 

When combined with a high-deductible health plan, HSAs offer savings and tax advantages 
that many traditional health plans can’t match. 

HSA Savings

Key Tax Benefits of an HSA

There are three key tax benefits to a Health Savings Account (HSA). Money goes into and comes out of an HSA tax-free (as long as funds are used to pay for qualified medical expenses).

  1. Contributions to HSAs are not subject to federal income taxes*
  2. Earnings to an HSA from interest and investments are tax free
  3. Distributions from an HSA to pay for qualifies medical expenses are tax-free

* Federal tax savings are available regardless of your state. State tax savings may not be available in every state. Cogent Bank does not provide tax advice. Consult your tax professional for tax-related questions. For more information concerning state taxes, please consult with your State Department of Revenue.

HSA Account Features

Health Savings Accounts come with the same easy-to-use features as many of our other personal accounts, including: 

  • Interest Bearing Checking
  • Visa Debit Card
  • No minimum balance requirement
  • Online/Mobile Access
  • eStatements
  • Account-to-Account Transfers
  • Mobile Deposit
  • No monthly service fee

Individual Retirement
Account (IRA)

Whether it’s a traditional IRA with tax-deferred earnings until withdrawal, or a Roth IRA which offers after-tax contributions with tax-free and penalty-free withdrawals on those contributions2, Cogent Bank is prepared to help you select the right account for your unique situation.

Save for retirement with tax advantages¹

  • Available in traditional and Roth
  • Annual contribution limits apply
  • No annual or set up fees
  • Federally insured
  • $1,000 minimum deposit to open

¹Subject to some minimal conditions. Consult a tax advisor. 2If you take a distribution of Roth IRA earnings before you reach age 59 1/2 and before the account is five years old, the earnings may be subject to taxes and penalties unless you have a qualified distribution exemption (such as a qualified educational expense, disability, or first-time home purchase up to a $10,000 lifetime maximum), subject to limitations.

It’s never too early to open an IRA, a tax-efficient way to save for retirement.

Tax-advantaged accounts save you money, grow your wealth, and give you peace of mind. 

Whether you’re just starting out in your career or nearing its end, our tax-advantaged savings accounts for health and retirement can reduce your tax burden while helping you prepare for your future—or the unexpected.  

Our team of account specialists can help guide choose the right account for your needs. Contact or visit one of our Banking Centers to learn more about our HSA and IRA retirement account options today.  


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