How to Use Cargill HSA Debit Card?

If you have a Health Savings Account (HSA) with Cargill and are wondering how to use the HSA debit card, you're in the right place. Using your Cargill HSA debit card is easy and convenient, allowing you to access your HSA funds for eligible healthcare expenses. Here's a step-by-step guide on how to use your Cargill HSA debit card:

  1. Activate your HSA debit card: Once you receive your Cargill HSA debit card in the mail, you will need to activate it by following the instructions provided.
  2. Understand eligible expenses: Familiarize yourself with the list of eligible expenses that can be paid for using your HSA funds.
  3. Swipe your card: When you have a qualifying expense at a healthcare provider or pharmacy, simply swipe your Cargill HSA debit card at the point of sale.
  4. Keep receipts: It's essential to keep all receipts for your HSA purchases in case you need to provide documentation or reconcile your expenses.
  5. Monitor your balance: Regularly check your Cargill HSA account balance either online or through the mobile app to ensure you have sufficient funds for your healthcare needs.
  6. Manage your account: Utilize Cargill's online portal or customer service for any account management tasks, such as adding beneficiaries or updating personal information.
  7. Report lost or stolen card: In case your HSA debit card is lost or stolen, report it immediately to Cargill to protect your account.

By following these simple steps, you can make the most of your Cargill HSA debit card and effectively manage your healthcare expenses.


Using your Cargill HSA debit card is a straightforward process, making it easy to access your hard-earned HSA funds for a wide range of qualified medical expenses. Just follow these seven simple steps for a smooth experience.

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