How to Withdraw Money from HSA at ATM

Withdrawing money from your Health Savings Account (HSA) at an ATM is a convenient way to access your funds for medical expenses. Here's how you can easily make withdrawals:

  1. Locate an ATM that accepts HSA debit cards. Most major banks like Chase, Wells Fargo, and Bank of America have ATMs equipped for HSA transactions.
  2. Insert your HSA debit card into the ATM card slot.
  3. Enter your Personal Identification Number (PIN) when prompted.
  4. Select the 'Withdraw' option from the ATM menu.
  5. Enter the amount you wish to withdraw.
  6. Confirm the transaction details.
  7. Collect your cash from the ATM.
  8. Remember to keep your receipts for record-keeping purposes.

It's essential to stay informed about any fees that may apply when using non-network ATMs for HSA withdrawals. Using ATMs within your HSA provider's network can help you avoid unnecessary charges.


Accessing cash from your Health Savings Account (HSA) at an ATM is a straightforward process that can help you manage out-of-pocket medical expenses. Here’s a detailed guide on how to do it:

  1. Start by finding an ATM that accepts HSA debit cards. Many major banks such as Chase, Wells Fargo, and Bank of America have ATMs set up for this purpose.
  2. Insert your HSA debit card into the card slot of the ATM.
  3. Key in your Personal Identification Number (PIN) when prompted.
  4. From the menu that appears, choose the 'Withdraw' option.
  5. Type in the amount you wish to withdraw.
  6. Review and confirm the transaction details on the screen.
  7. After the transaction is complete, collect your cash carefully from the ATM.
  8. Keep your receipt for future reference and to track your HSA expenditures.

It is important to be aware of any transaction fees associated with using non-network ATMs for HSA withdrawals. To minimize costs, consider using ATMs within your HSA provider's network whenever possible.

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