Grow HSA
deposits under
your own brand
A whitelabeled tool and education platform that turns HSA accountholders into invested, long-term depositors.
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Grow low-cost depositsEngaged accountholders contribute more and keep balances longer.
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Your brand, front and centerA whitelabeled experience your members see as your own.
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Never touches your coreWe integrate with your digital banking experience, not your core.
A win for both sides
Give your accountholders a reason to engage with their HSA - and turn that engagement into deeper, stickier deposit relationships.
For Your Members
- Onboarding program for new HSA users
- Track every HSA contribution, purchase, and distribution
- Never lose a receipt - secure cloud storage
- Maintain compliance with IRS recordkeeping
- One-click, audit-ready reports
- Wide library of articles and videos
- Guidance to grow their HSA tax-free
- Build long-term, tax-free wealth
For Your Institution
- Grow sticky, low-cost HSA deposits
- Deepen relationships and reduce attrition
- Delivered under your brand - a whitelabeled experience
- Differentiate from bare custodial HSA accounts
- Fewer support calls - members self-serve and learn
- Integrates with your digital banking - never your core
- Enterprise-grade security and data isolation
- Simple, predictable per-accountholder pricing
HSAs are the stickiest deposits you can hold
HSA balances are long-duration, low-cost, and rarely leave. The catch: most accountholders never engage - they contribute little and leave the account idle. Engagement is the lever that turns a dormant HSA into a growing deposit relationship.
Higher balances
Educated, engaged accountholders contribute more and pay out of pocket - letting balances build tax-free instead of draining.
Lower-cost, stickier
HSA deposits are long-duration and rate-insensitive. An engaged member who relies on the tool doesn't move the account.
Deeper relationships
A branded HSA experience keeps you at the center of the relationship - and opens the door to cross-sell.
A simple illustration:
5,000 engaged accountholders × $2,000 higher average balance ≈ $10M in core deposits
Deposits you already have the relationship for - simply activated through engagement and education.
Illustrative example only, not a projection or guarantee. Actual results depend on your accountholder base, contribution behavior, and engagement. Figures are for discussion purposes.
The HSA opportunity is being left idle
You hold the account, but most HSA accountholders never learn how powerful it is. They contribute the minimum, spend the balance down, lose receipts, and never build the balance that makes an HSA valuable - to them and to you.
TrackHSA gives your members a reason to engage, delivered under your brand - turning idle accounts into growing, long-term deposit relationships.
Only 10% of all HSA accounts held invested assets at the end of 2025
Three ways to offer TrackHSA
Start simple or go fully embedded - every option puts your brand first, and none of them touch your core.
Branded
Your logo and colors on a ready-to-go TrackHSA. Members sign up and get access - nothing wired into your systems.
Whitelabel on your domain
A fully whitelabeled experience at your own web address - it looks and feels like a product you built.
Embedded in digital banking
Single sign-on embeds TrackHSA right inside your online and mobile banking, so members never leave your app.
Every option is a one-way experience - TrackHSA displays information and records actions on its own side, and never connects to your core system of record.
Delivered under your brand
A whitelabeled experience, your identity
Your members see your brand - your name, your logo, your colors. TrackHSA runs quietly underneath, powering an HSA engagement and education experience that looks and feels like a product you built.
You keep the relationship front and center; we handle the platform, the content, and the security behind it.
Sample only — your brand, your name, your colors.
A built-in HSA learning library
Most accountholders never learn how powerful an HSA really is. TrackHSA's Learn center pairs the tool with a growing library of articles and videos - from the basics to advanced tax-free-growth strategies - so your members don't just have an HSA, they understand it.
Educated members contribute more, keep balances longer, and call support less - engagement that shows up in your deposit book.
Help members grow their savings
The real HSA advantage is paying medical costs out of pocket, letting the balance grow tax-free, and reimbursing later. TrackHSA makes that strategy easy to follow - and every dollar members leave in the account to grow is a dollar that stays on deposit with you.
HSAs with at least $10,000 reached 4.1 million in year-end 2025
Audit protection for your members
The IRS requires HSA records. Members keep every receipt stored securely in the cloud and can generate an audit-ready report in a single click - protecting them, and reflecting well on the institution behind it.
How members use TrackHSA
Four simple steps keep every HSA purchase documented across its whole lifecycle:
1. Spend
Log an HSA-eligible purchase in seconds.
2. Document
Snap and attach the receipt, stored securely.
3. Distribute
Reimburse on their timeline - or let it grow tax-free.
4. Report
Generate an audit-ready report anytime.
Built for institutional scrutiny
We know a financial institution vets its vendors. Here's the short version of how we protect your members' data.
Enterprise-grade cloud hosting
Runs entirely on Google Cloud Platform, which maintains SOC 2 Type II and ISO/IEC 27001 certifications for the underlying infrastructure. Data is encrypted in transit (TLS) and at rest.
Private receipt storage
Receipt images live in a non-public bucket and are never publicly accessible - each view is served through a short-lived, cryptographically-signed URL.
No card data on our systems
All billing runs through Stripe, a PCI-DSS Level 1 provider. We never store, process, or transmit raw card numbers.
Secure application & isolation
Parameterized queries, server-side session authentication, reCAPTCHA on public entry points, and fully separated production and development environments.
SOC 2 Type II and ISO 27001 certifications are held by Google Cloud, the infrastructure TrackHSA is built on. A detailed security overview and, where needed, a HIPAA Business Associate Agreement are available as part of an enterprise engagement.
Partner to go further
Optional add-ons that drive onboarding, adoption, and engagement.
Targeted mail to drive onboarding
Branded welcome letters sent by US Mail, complete with a sign-in QR code - far higher open rates than one more email.
Surface your products and rates
Put your HSA rates, plan documents, and other offerings in front of engaged members - a natural, branded cross-sell channel.
Incentives that drive deposits
Tie rewards to in-app actions - e.g. "$25 for a first documented purchase" or "$50 for completing courses" - a self-reinforcing loop that grows balances.
See it with your accountholders in mind
A quick walkthrough of how a whitelabeled TrackHSA can grow your HSA deposits and deepen member relationships. No obligation.
Request a demo