First American Bank introduces their Health Savings Accounts (HSA) as an innovative way for companies to combat rising healthcare costs through High Deductible Health Plans combined with HSAs. They provide a competitive HSA product and are interested in developing relationships to offer accounts to employees. Key benefits of HSAs include tax deductible contributions, tax-free withdrawals for medical expenses, and funds that can be saved and carried over year to year. The document outlines the enrollment process, funding options, and contact information for First American Bank's HSA department.
[Guide] The Best Introduction to Health Savings Accountsbenefitexpress
Whether you are being, well… motivated to consider a Health Savings Account (HSA) due to a workplace change in policy, or you perceive that you are spending more than you should be for health care – some compelling reason brought you to this guide. Good! This is your first step toward understanding what an HSA is and how it works.
This is an introductory guide that aims to inform consumers and employers about Health Savings Accounts.
This document provides an overview of health savings accounts (HSAs), including:
- HSAs are used in conjunction with high deductible health plans and can be funded by employers, employees, and others.
- Contributions up to an annual maximum amount are tax-deductible and the account grows tax-free.
- Funds can be withdrawn tax-free for qualified medical expenses or after age 65 for any purpose.
- HSAs offer portability, tax benefits, and the potential for long-term savings if unused funds are invested.
The document discusses government to citizen (G2C) e-commerce services, specifically knowing one's employee provident fund balance online. It provides background on provident funds and the traditional process for checking balances, which involved contacting one's employer. Now, citizens can check their provident fund balance and download passbooks online through the Employee Provident Fund Organization's website. The summary outlines the step-by-step process to register on the website and download a provident fund passbook, providing online access in 3 easy steps.
An HSA is a tax-exempt account used to pay for qualified medical expenses for those with a qualified high deductible health plan. To be eligible, one must be covered by a QHDHP and no other health plan. A QHDHP has minimum annual deductibles of $1,150 individual and $2,300 family, with maximum annual out-of-pocket costs of $5,800 individual and $11,600 family. Funds roll over year to year and can be withdrawn for medical expenses tax-free.
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
Health Savings Accounts (HSAs) allow individuals to set aside pre-tax funds that can be used to pay for qualified medical expenses. To qualify for an HSA, an individual must have a high-deductible health plan. Funds in the HSA can be used tax-free to pay for expenses, and unused funds roll over year to year. HSAs provide a triple tax advantage by allowing pre-tax contributions, tax-free growth and withdrawals. HSAs can be used to pay current medical costs or saved for future qualified retirement health expenses. Contribution limits and eligible medical expenses are set annually by the IRS.
PerformaCard is the first performance based credit card. Business owners are approved based on their business performance regardless of their credit score.
[Guide] The Best Introduction to Health Savings Accountsbenefitexpress
Whether you are being, well… motivated to consider a Health Savings Account (HSA) due to a workplace change in policy, or you perceive that you are spending more than you should be for health care – some compelling reason brought you to this guide. Good! This is your first step toward understanding what an HSA is and how it works.
This is an introductory guide that aims to inform consumers and employers about Health Savings Accounts.
This document provides an overview of health savings accounts (HSAs), including:
- HSAs are used in conjunction with high deductible health plans and can be funded by employers, employees, and others.
- Contributions up to an annual maximum amount are tax-deductible and the account grows tax-free.
- Funds can be withdrawn tax-free for qualified medical expenses or after age 65 for any purpose.
- HSAs offer portability, tax benefits, and the potential for long-term savings if unused funds are invested.
The document discusses government to citizen (G2C) e-commerce services, specifically knowing one's employee provident fund balance online. It provides background on provident funds and the traditional process for checking balances, which involved contacting one's employer. Now, citizens can check their provident fund balance and download passbooks online through the Employee Provident Fund Organization's website. The summary outlines the step-by-step process to register on the website and download a provident fund passbook, providing online access in 3 easy steps.
An HSA is a tax-exempt account used to pay for qualified medical expenses for those with a qualified high deductible health plan. To be eligible, one must be covered by a QHDHP and no other health plan. A QHDHP has minimum annual deductibles of $1,150 individual and $2,300 family, with maximum annual out-of-pocket costs of $5,800 individual and $11,600 family. Funds roll over year to year and can be withdrawn for medical expenses tax-free.
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
Health Savings Accounts (HSAs) allow individuals to set aside pre-tax funds that can be used to pay for qualified medical expenses. To qualify for an HSA, an individual must have a high-deductible health plan. Funds in the HSA can be used tax-free to pay for expenses, and unused funds roll over year to year. HSAs provide a triple tax advantage by allowing pre-tax contributions, tax-free growth and withdrawals. HSAs can be used to pay current medical costs or saved for future qualified retirement health expenses. Contribution limits and eligible medical expenses are set annually by the IRS.
PerformaCard is the first performance based credit card. Business owners are approved based on their business performance regardless of their credit score.
The document discusses various departments and products of Askari Bank, including the cash, clearing, remittance, and account opening departments. It also outlines personal and commercial products like current accounts, term deposits, personal loans, and retirement plans. Finally, it introduces several specialized accounts tailored for seniors, minors, low-income individuals, and those seeking profit and loss sharing options.
The document provides information about current bank accounts in India. It discusses that current accounts are deposit accounts that allow for convenient withdrawing and depositing of funds and are commonly used by businesses. Key features of current accounts mentioned include no interest earned, ability to make instant fund transfers, use of debit cards, and access to services like RTGS and NEFT. The document also outlines eligibility requirements, required documents, available facilities like overdraft, and responsibilities and advantages of holding a current account.
Grant Writing 101 for IMPACT and Ironworker Local UnionsGSP Consulting
GSP Consulting's webinar presentation on grant writing and strategy to IMPACT and Ironworker Local Unions on September 28, 2010. Includes information on how to register for grant opportunities with a DUNS number, CCR number and Grants.gov registration.
This document discusses the different types of bank accounts available in Pakistan. It defines key account types like current accounts, savings accounts, minor accounts, deceased accounts, and dormant accounts. It also outlines procedures for account opening and differences between various deposit and account options available to customers.
The Medicare Diabetes Prevention Program (MDPP) Expanded Model team provided a tutorial about enrollment in the model.
- - -
CMS Innovation Center
http://innovation.cms.gov
We accept comments in the spirit of our comment policy:
http://newmedia.hhs.gov/standards/comment_policy.html
CMS Privacy Policy
http://cms.gov/About-CMS/Agency-Information/Aboutwebsite/Privacy-Policy.html
This document discusses various types of current accounts offered by Allied Bank Limited in Pakistan. It provides details on six main types of current accounts: Allied Current Account, Easy Current Account, Aasan Current Account, Pension Current Account, Allied Business Current Account, and Khanum Current Account. For each account type, it outlines the key features and requirements for opening the account. Overall, the document aims to explain the different current account options available to individuals and businesses through Allied Bank Limited.
This document provides an overview of credit reporting for small businesses. It discusses how credit reports contain information from various sources about a business's creditworthiness and payment history. The report can impact a business's ability to get credit or favorable terms from suppliers. It also notes that businesses may obtain credit reports on customers or vendors to assess risk and set appropriate credit terms. Key reporting agencies and laws governing credit reporting, like the Fair Credit Reporting Act, are also outlined. The document serves as a guide to help small businesses understand credit reporting and how to build or maintain a positive business credit history.
Principles and Practices of Banking module 3ARUNKUMAR7358
Accounts
Types of customer accounts
Procedure for opening an account
Risks in account opening
Closure loans and advances
Principle of lending
Different types of loans
Credit appraisal techniques
Credit management and credit monitoring
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
An employer's guide to choosing the right HSA from Alliant Credit Union. For more information, or to download our white paper, visit http://www.alliantatwork.com.
This document provides information about current accounts, including what they are, their benefits, eligibility requirements, and types of accounts. A current account allows customers to make deposits and withdrawals without notice and is used for frequent transactions. Benefits include receiving payments, withdrawing cash, setting up direct debits and standing orders. Customers must be 18 years or older and provide identification documents to open an account. There are several types of current accounts including basic, overdraft, student/young person, graduate, foreign currency, and accounts with special offers. The document also describes how to open an account and the bank's expansion over the years to 580 branches internationally by 2013.
The document is a newsletter providing banking news and articles. Some of the key points covered in the summary:
- India's economy has overtaken France to become the 6th largest economy worldwide, according to World Bank figures. However, India's per capita GDP remains much lower than France's.
- The RBI has made it mandatory for the name of the demand draft purchaser to be printed on the draft in order to address money laundering concerns.
- Outgoing CEA Arvind Subramanian believes India needs more private banks and only 3-5 public sector banks. He also commented on the relationship between RBI and the government.
Types of kyc documents required for various customerAbinash Mandilwar
The document outlines Know Your Customer (KYC) requirements for opening bank accounts for various types of customers. It provides details on officially valid documents required for identity and address proof. It also describes simplified norms for accounts like small accounts and self-help groups. Customer due diligence procedures are specified for individuals, companies, proprietorships, trusts and other legal entities. Periodic KYC document updates are also required based on customer risk levels.
The document discusses various types of investments including direct equity, mutual funds, insurance, fixed deposits, bonds, gold and real estate. It also discusses the Insurance Regulatory and Development Authority of India (IRDAI) and the different sources of funds for businesses including equity shares, preference shares, debentures, and loans from financial institutions. The key functions of the Reserve Bank of India as the central bank of India are also summarized.
The document provides information about opening a savings bank account in Bangladesh. It states that individuals over 18 years of age or joint accounts with adults and minors can open accounts. The required documents include two passport photos, identification, and completing KYC and TP processes. The formalities involve filling an application, introducing the applicant, providing signatures, an interview, nominating beneficiaries, and verifying documents before the account is opened and materials like a passbook and debit card are issued. The account opening format follows Bangladesh Bank guidelines with customer and banker parts.
The document discusses various types of deposit accounts offered by banks including demand deposits, savings deposits, term deposits, and current accounts. It outlines the key features of these accounts such as minimum balance requirements, restrictions on withdrawals, and interest rates. The document also describes the process for opening an account including KYC and due diligence checks as well as ongoing account services provided to customers.
Unit 1.3 SMBL Products and Services (Islamic)Asad Hameed
This document provides information on various Islamic banking products offered by Summit Bank including liability products like current accounts, savings accounts, and certificates, and asset products like murabaha, ijara, and diminishing musharakah. For each product, the document outlines the underlying Shariah contract, key features, and steps in documentation. It also provides dos and don'ts for proper implementation of the products in accordance with Shariah principles.
Commercial banks rely mainly on deposits to fund their operations. They accept various deposit types like current accounts, savings accounts, fixed deposits, and recurring deposits. Current accounts are meant for businesses and offer chequebook facilities and overdrafts but no interest. Savings accounts encourage personal savings and offer modest interest rates. Fixed deposits allow higher interest for locking away funds longer, while recurring deposits build savings with regular installments. Non-resident accounts serve Indian citizens living abroad.
U S Supreme Court Upholds The Affordable Care Act1charles_3us
The U.S. Supreme Court upheld the constitutionality of the Affordable Care Act, including the individual mandate requiring Americans to obtain health insurance. The Court ruled the mandate is valid under Congress's taxing authority. However, it placed some limitations on the Medicaid expansion. Employers and health plans must continue complying with ACA provisions such as reporting requirements, limits on flexible spending accounts, and minimum loss ratios for insurers. Additional reforms take effect in 2014, including the employer mandate and health insurance exchanges.
This document discusses health savings accounts (HSAs) as an innovative way to finance health care that gives individuals more control over costs while protecting them from high medical expenses. It defines what an HSA is, how it works in conjunction with a high-deductible health plan, eligibility requirements, contribution limits, advantages like tax benefits and flexibility in using funds, as well as answers common questions about HSAs. The document promotes HSAs as a solution that can help address issues with the cost, choice and control individuals face in purchasing health insurance and paying for medical care.
The document discusses various departments and products of Askari Bank, including the cash, clearing, remittance, and account opening departments. It also outlines personal and commercial products like current accounts, term deposits, personal loans, and retirement plans. Finally, it introduces several specialized accounts tailored for seniors, minors, low-income individuals, and those seeking profit and loss sharing options.
The document provides information about current bank accounts in India. It discusses that current accounts are deposit accounts that allow for convenient withdrawing and depositing of funds and are commonly used by businesses. Key features of current accounts mentioned include no interest earned, ability to make instant fund transfers, use of debit cards, and access to services like RTGS and NEFT. The document also outlines eligibility requirements, required documents, available facilities like overdraft, and responsibilities and advantages of holding a current account.
Grant Writing 101 for IMPACT and Ironworker Local UnionsGSP Consulting
GSP Consulting's webinar presentation on grant writing and strategy to IMPACT and Ironworker Local Unions on September 28, 2010. Includes information on how to register for grant opportunities with a DUNS number, CCR number and Grants.gov registration.
This document discusses the different types of bank accounts available in Pakistan. It defines key account types like current accounts, savings accounts, minor accounts, deceased accounts, and dormant accounts. It also outlines procedures for account opening and differences between various deposit and account options available to customers.
The Medicare Diabetes Prevention Program (MDPP) Expanded Model team provided a tutorial about enrollment in the model.
- - -
CMS Innovation Center
http://innovation.cms.gov
We accept comments in the spirit of our comment policy:
http://newmedia.hhs.gov/standards/comment_policy.html
CMS Privacy Policy
http://cms.gov/About-CMS/Agency-Information/Aboutwebsite/Privacy-Policy.html
This document discusses various types of current accounts offered by Allied Bank Limited in Pakistan. It provides details on six main types of current accounts: Allied Current Account, Easy Current Account, Aasan Current Account, Pension Current Account, Allied Business Current Account, and Khanum Current Account. For each account type, it outlines the key features and requirements for opening the account. Overall, the document aims to explain the different current account options available to individuals and businesses through Allied Bank Limited.
This document provides an overview of credit reporting for small businesses. It discusses how credit reports contain information from various sources about a business's creditworthiness and payment history. The report can impact a business's ability to get credit or favorable terms from suppliers. It also notes that businesses may obtain credit reports on customers or vendors to assess risk and set appropriate credit terms. Key reporting agencies and laws governing credit reporting, like the Fair Credit Reporting Act, are also outlined. The document serves as a guide to help small businesses understand credit reporting and how to build or maintain a positive business credit history.
Principles and Practices of Banking module 3ARUNKUMAR7358
Accounts
Types of customer accounts
Procedure for opening an account
Risks in account opening
Closure loans and advances
Principle of lending
Different types of loans
Credit appraisal techniques
Credit management and credit monitoring
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
An employer's guide to choosing the right HSA from Alliant Credit Union. For more information, or to download our white paper, visit http://www.alliantatwork.com.
This document provides information about current accounts, including what they are, their benefits, eligibility requirements, and types of accounts. A current account allows customers to make deposits and withdrawals without notice and is used for frequent transactions. Benefits include receiving payments, withdrawing cash, setting up direct debits and standing orders. Customers must be 18 years or older and provide identification documents to open an account. There are several types of current accounts including basic, overdraft, student/young person, graduate, foreign currency, and accounts with special offers. The document also describes how to open an account and the bank's expansion over the years to 580 branches internationally by 2013.
The document is a newsletter providing banking news and articles. Some of the key points covered in the summary:
- India's economy has overtaken France to become the 6th largest economy worldwide, according to World Bank figures. However, India's per capita GDP remains much lower than France's.
- The RBI has made it mandatory for the name of the demand draft purchaser to be printed on the draft in order to address money laundering concerns.
- Outgoing CEA Arvind Subramanian believes India needs more private banks and only 3-5 public sector banks. He also commented on the relationship between RBI and the government.
Types of kyc documents required for various customerAbinash Mandilwar
The document outlines Know Your Customer (KYC) requirements for opening bank accounts for various types of customers. It provides details on officially valid documents required for identity and address proof. It also describes simplified norms for accounts like small accounts and self-help groups. Customer due diligence procedures are specified for individuals, companies, proprietorships, trusts and other legal entities. Periodic KYC document updates are also required based on customer risk levels.
The document discusses various types of investments including direct equity, mutual funds, insurance, fixed deposits, bonds, gold and real estate. It also discusses the Insurance Regulatory and Development Authority of India (IRDAI) and the different sources of funds for businesses including equity shares, preference shares, debentures, and loans from financial institutions. The key functions of the Reserve Bank of India as the central bank of India are also summarized.
The document provides information about opening a savings bank account in Bangladesh. It states that individuals over 18 years of age or joint accounts with adults and minors can open accounts. The required documents include two passport photos, identification, and completing KYC and TP processes. The formalities involve filling an application, introducing the applicant, providing signatures, an interview, nominating beneficiaries, and verifying documents before the account is opened and materials like a passbook and debit card are issued. The account opening format follows Bangladesh Bank guidelines with customer and banker parts.
The document discusses various types of deposit accounts offered by banks including demand deposits, savings deposits, term deposits, and current accounts. It outlines the key features of these accounts such as minimum balance requirements, restrictions on withdrawals, and interest rates. The document also describes the process for opening an account including KYC and due diligence checks as well as ongoing account services provided to customers.
Unit 1.3 SMBL Products and Services (Islamic)Asad Hameed
This document provides information on various Islamic banking products offered by Summit Bank including liability products like current accounts, savings accounts, and certificates, and asset products like murabaha, ijara, and diminishing musharakah. For each product, the document outlines the underlying Shariah contract, key features, and steps in documentation. It also provides dos and don'ts for proper implementation of the products in accordance with Shariah principles.
Commercial banks rely mainly on deposits to fund their operations. They accept various deposit types like current accounts, savings accounts, fixed deposits, and recurring deposits. Current accounts are meant for businesses and offer chequebook facilities and overdrafts but no interest. Savings accounts encourage personal savings and offer modest interest rates. Fixed deposits allow higher interest for locking away funds longer, while recurring deposits build savings with regular installments. Non-resident accounts serve Indian citizens living abroad.
U S Supreme Court Upholds The Affordable Care Act1charles_3us
The U.S. Supreme Court upheld the constitutionality of the Affordable Care Act, including the individual mandate requiring Americans to obtain health insurance. The Court ruled the mandate is valid under Congress's taxing authority. However, it placed some limitations on the Medicaid expansion. Employers and health plans must continue complying with ACA provisions such as reporting requirements, limits on flexible spending accounts, and minimum loss ratios for insurers. Additional reforms take effect in 2014, including the employer mandate and health insurance exchanges.
This document discusses health savings accounts (HSAs) as an innovative way to finance health care that gives individuals more control over costs while protecting them from high medical expenses. It defines what an HSA is, how it works in conjunction with a high-deductible health plan, eligibility requirements, contribution limits, advantages like tax benefits and flexibility in using funds, as well as answers common questions about HSAs. The document promotes HSAs as a solution that can help address issues with the cost, choice and control individuals face in purchasing health insurance and paying for medical care.
The document discusses RFID (radio frequency identification) and its applications. It provides an overview of RFID components and tags, as well as current and potential applications. It also summarizes the results of an online survey on SME opinions of RFID. The main applications discussed are access control, payment systems, asset tracking, and electronic toll collection. The document concludes that RFID provides benefits over barcodes but also has some limitations around cost and standardization.
This document discusses the author's previous experiences with technology in education. It summarizes takeaways and drawbacks from visiting Rocketship Mosaic school, using various digital content programs, and implementing tools like Its Learning, Achieve 3000, and Engrade. The author hopes to continue using programs that provide individualized learning paths and data to differentiate instruction while addressing the challenges of training, costs, and technical issues.
1. The document discusses standards and standardization from different perspectives including creators, implementers, and users of standards. It addresses the importance of open standards, open processes, and balancing the needs of various stakeholders.
2. Key aspects of open standards discussed are open meeting, consensus, due process, open change, open intellectual property rights, open documentation, open access, ongoing support, and open implementation.
3. The document suggests that greater openness, market support, business alignment, and public preference lead to more effective and efficient standards with higher value. Communication and finding common ground between stakeholders is important for standardization.
The document is a series of repeated lines stating "Presented by www.ziaraat.com" with no other substantive information provided. It appears to be promoting the website www.ziaraat.com but provides no details about the site or its purpose.
The document discusses Web Components and how they can help solve problems in web development. It describes the key Web Component standards including templates, imports, shadow DOM, and custom elements. It provides examples of how to use these standards to encapsulate code through shadow DOM, create reusable components with custom elements, and bundle components with imports. Finally, it discusses libraries like Polymer and X-Tag that make it easier to build Web Components and their current browser support.
This document discusses RFID (Radio Frequency Identification) and its applications. It begins with an introduction to RFID, describing how RFID tags transmit information like serial numbers to readers using radio frequencies. It then explains the basic components of an RFID system including tags, readers, and software. The document outlines the different types of RFID tags and provides examples of applications in various frequency ranges like supply chain management and electronic toll collection. It also summarizes the results of an online survey about RFID use in small businesses and discusses further potential applications and benefits and challenges of RFID technology.
This document lists various projects that an individual was responsible for, including layout, art direction, design, and project management for Target circulars and promotions, in-store signage for SuperTarget, a Dayton's Marketplace redesign, a 212 page catalog, a Ceridian anniversary brochure, and a SuperTarget lobby TV design.
The document introduces someone who has something to tell about themselves. They are the eldest of three sisters in the Sus family and want to be a ramp model someday. They enjoy playing the flute and volleyball. They like red roses and eating cake. Their philosophy of life is inspired by a quote from Proverbs 31:30 about admiring women who fear God.
The company aims to help consumers dispute inaccurate credit report information and improve their credit scores. They offer an educational credit monitoring service called UltraScore that analyzes credit reports and provides guidance on improving credit. The service disputes questionable items over multiple cycles by preparing customized dispute letters for the major credit bureaus on the consumer's behalf. Customers can track progress online and receive support from representatives. Maintaining good credit is important for obtaining loans and credit cards at reasonable rates.
The document provides information about HSAs (Health Savings Accounts) including:
- HSAs are paired with HDHPs (High Deductible Health Plans) and allow individuals to pay for qualified medical expenses. Funds roll over year to year and can be invested for growth.
- HSA Bank offers penny funding to establish accounts, works with any insurance carrier, and can continue administering HSAs if the employer changes insurance carriers.
- Eligibility, contribution limits, and qualified medical expenses are defined by the IRS. Funds can be used to pay expenses via debit card, checks, or reimbursements and have tax advantages.
This document provides information about Health Savings Accounts (HSAs) offered by First American Bank. It discusses the benefits of HSAs including tax advantages, eligibility requirements, contribution limits and qualified medical expenses. It also provides details about First American Bank's HSA and HSA PLUS accounts including fees, features, investment options, account management and how to open an account.
United Credit Education Services provides credit education and dispute services to help consumers improve inaccurate credit reports. They work to dispute errors on credit reports with the three major credit bureaus and provide ongoing support through multiple dispute cycles. Their goal is to help consumers obtain accurate credit reports and qualify for lower interest rates by establishing and maintaining good credit.
A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
This document summarizes the key terms and conditions for deposit accounts at State Bank of India's New York branch. It outlines the process for establishing different types of accounts, including individual, joint, minor, corporate and partnership accounts. It provides details on required documentation, authorized signatories, account operations and applicable fees. The document is intended to help customers understand account options, terms and bank policies and procedures.
Introduction to Health Savings Accounts (HSA)tlowder88
A Health Savings Account (HSA) allows individuals with a high deductible health plan to save money tax-free to pay for qualified medical expenses. Contributions are made pre-tax by payroll deduction or post-tax. Funds can be used to pay for expenses like medical bills, prescriptions, dental work, and health insurance premiums. Unused funds roll over year to year and can be invested for retirement. Upon death, the HSA can pass to a spouse or be taxed as part of the estate.
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports from the three major credit bureaus. Their goal is to help clients improve their credit profiles and financial independence. They utilize the Fair Credit Reporting Act and dispute processes to challenge errors and remove negative items from credit reports through multiple dispute cycles over several months.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports. They have over 25 years of experience successfully disputing credit report errors for hundreds of thousands of clients. Their goal is to help clients improve their credit profiles and purchasing power. The Fair Credit Reporting Act regulates credit reporting agencies and promotes accurate information on credit reports. The three major credit reporting agencies, Experian, Equifax, and TransUnion, collect and sell consumer credit history data to lenders. Nearly 80% of credit reports contain errors serious enough to potentially affect credit scores and loan approvals. United Credit Education Services uses an automated process to dispute inaccurate items on clients' credit reports over multiple cycles to help improve their credit profiles
To receive financial aid from Sam Houston State University, a student must complete several steps:
1. Complete the FAFSA online and provide parental information if required.
2. Check the status of your financial aid application online through the university's portal and view requirement statuses.
3. Once all requirements are received and reviewed, an award notification email will be sent; students can then accept or decline offered aid through the university portal.
This document discusses using a Health Savings Account (HSA) to pay for Long Term Care Insurance (LTCI) premiums. It provides an example of a client, Dean Barker, who is eligible to open an HSA and use funds from it to pay $1,430 of his $2,500 in annual LTCI premiums. It reviews the eligibility requirements for opening an HSA, contribution limits, tax considerations of using an HSA to pay LTCI premiums, and IRS age-based limits for deducting LTCI premiums.
The Best Introduction to Health Savings Accounts [Guide]benefitexpress
This guide will detail the origins of a Health Savings Account (HSA) as well as why you should consider an HSA, how to establish an HSA, using your HSA, and much more.
Leveraging Federal Financial Assistance Programs During COVID-19Kareo
Bill Finerfrock, HBMA Director of Government Affairs, will break down the CARES Act and its associated programs to provide you with key takeaways to help ease financial burdens and maintain current staff levels.
In this webinar, Bill will discuss:
-New Paycheck Protection Program
-Other SBA (Small Business Association) programs
-Medicare Advanced Payment Options
-Provider Lost Revenue Program
This document provides an overview of accounts receivable systems in dental offices. It begins by listing 27 learning objectives covering key terms, financial reports, bookkeeping systems, tasks for maintaining accounts receivable, collecting past due payments, and using collection agencies. The rest of the document describes each of these topics in more detail over 27 slides, explaining the purpose and proper procedures for accounts receivable, from entering patient information and services to generating reports, sending statements, and following up on unpaid balances. The goal is to teach administrative assistants how to properly manage the financial aspects of a dental practice.
This document provides a checklist of steps for starting a nonprofit organization, along with additional information about each step. It outlines the process from selecting board members and developing mission/program statements to incorporating the organization, applying for tax exemption, setting up financial and HR systems, and other operational aspects. The ABC's of Financing is a consulting firm that can assist with incorporating, bylaws, tax exemption applications, and maintaining nonprofit status for clients.
deposit & loan strategies featuring service firstJake Hill
A Minnesota credit union launched a $50 checking account rewards program that is attracting new customers and encouraging cross-selling by employees. The program offers a $50 Visa gift card for opening a new checking account and another $50 gift card for referrals from existing members. Since its start two years ago, the program has increased the credit union's checking accounts by over 150% and doubled the number of new checking openings year-over-year. The credit union promotes the program through various marketing channels and monitors its success on a monthly basis.
This document outlines the details of the Independence Blue Cross HDHP Plus 3B HSA health insurance plan. It has a $2,500 individual/$5,000 family deductible. Office visits, specialist visits, x-rays, emergency room visits, and outpatient surgery are covered at 100% after meeting the deductible. Prescription drugs are $20/$40/$60 after the deductible. The maximum out of pocket is $6,450 individual/$12,900 family. The employer provides an HRA that will reimburse up to $1,250 for individual coverage or $2,500 for family coverage to help pay deductible and other expenses.
The document summarizes an agenda for a credit restoration and education seminar. It covers topics like common credit errors, credit reporting agencies, credit scores, establishing credit through secured credit cards, budgeting, and the services provided by NCES to help attendees improve their credit and finances. The overall goal of NCES is to educate people on credit pitfalls and empower them to build assets rather than liabilities through navigating their finances confidently.
2. - 1 - 5/12
First American Bank is pleased to introduce our Health Savings Accounts (HSA). As you are aware, a High Deductible Health
Plan (HDHP) combined with an HSA is an innovative way for your company to combat the rising costs of healthcare. We have
developed very competitive HSA products, and we are interested in developing a relationship with you to offer our accounts to
your employees.
Why choose an HSA?
The HDHP generally costs less than traditional health care coverage. Money saved on the insurance premium can be put
into an HSA.
Contributions to your HSA are tax deductible. IRS guidelines in 2016 allow max contributions up to $3,350 for individuals
($3,400 for 2017) and $6,750 for a family plan (2016/17). If you are over 55, you can contribute an additional $1,000
"catch-up" to your HSA. If you have a spouse who is over 55, you must open a second account in order to take advantage
of the catch up contribution.
After age 65, HSA funds can be used for non-qualified expenses without penalty. Only income tax is assessed.
Use the pre-tax funds in your HSA to pay for current medical expenses or expenses that your insurance may not cover
including dental expenses, vision care, Medicare expenses, and long-term care. See publication 502 on the IRS website
for a complete list of qualified expenses.
Save the money in your HSA for future medical expenses.
There is "no use it or lose it" philosophy – the HSA funds remain in the account from year to year. Even if your HSA
compatible coverage ends, you can still use the funds tax free for qualified medical expenses.
You are in control of your HSA. Funds belong to you even if you switch jobs, become unemployed, or change your
medical coverage.
First American Bank offers two types of Health Savings Accounts:
Our Health Savings Account is a free account* which pays interest based on the balance in the account.
Our Health SavingsPLUS Account offers all of the benefits of our Health Savings Account; in addition it allows you to invest a
portion of your HSA in a select group of mutual funds.**
For over 30 years, First American Bank has operated on the philosophy that the needs of our customers come first, and we
build our business one satisfied customer at a time. Our size and management philosophy make it possible for us to give you
the best of both worlds: big bank financial services coupled with the personal attention only a smaller bank can provide. We
place great emphasis on building strong customer relationships and we’re driven to assist you with needs beyond the specific
product at hand.
We can accommodate your HSA needs and look forward to working with you. Please don’t hesitate to call our toll free HSA Help
Desk (866) 449-1150 or locally (847) 952-3700, option “2”, and then option “4”.
*A $3.95 monthly fee will be charged if the customer elects to receive a paper statement. The fee will be waived if; 1) the customer elects to receive electronic statements only; or 2) a combined minimum average daily balance of
$2,000 is maintained between the checking portion of the Health Savings Account and an associated checking, NOW, savings or money market account. Member FDIC.
**Disclaimer: Investors should carefully read the Fund prospectus, which includes information on the Fund’s investment objectives, risk, as well as charges and expenses along with other information before investing or sending
money. Funds in the investment portion of your Health SavingsPLUS account are not FDIC insured, May Lose Value and are Not Bank Guaranteed.
Neither First American Bank nor its subsidiaries (collectively “First American Bank”) are registered investment advisors nor is First American Bank acting in the capacity of a registered investment advisor with respect to the offering of
Health Savings Account (“HSA”) investment options. Participation in the investment options is voluntary. Under no circumstances is First American Bank offering any of the HSA investment options and makes no representations with
respect to the investment options offered.
First American Bank disclaims any and all liability, contingent or otherwise, for the performance of the investment options. Please see your personal financial advisor for personal investment advice.
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The Enrollment Process:
Step 1: Apply for a First American Bank HSA
There are two convenient ways to apply:
1) Online at www.firstambank.com
2) Contact your assigned HSA Account Manager if you require paper applications:
Mitch Rosenbloom, (847) 586-2010 or mrosenbloom@firstambank.com
Bradley Huff, (312) 881-8711 or bhuff@firstambank.com
Step 2: Submit Applications to First American Bank
1) Online Application – Expedited Method
a. First American can provide your organization a link that will allow your employees to apply online and they can
complete the process in minutes.
b. Once approved, the account number will be displayed on the confirmation screen. Your employee can print the
page and provide you with their account information for future employer contributions.* (In some cases
additional information is required from the applicant in order to complete the account opening process.)
2) Paper Application
a. We will provide the paper application(s) for you to distribute to your employee(s).
i. Collect all applications.
ii. Verify that all signatures and identification information has been completed. This includes issue and
expiration dates, and the identification number for the primary identification.
iii. Once all applications have been collected and verified, submit all applications to First American Bank for
processing. The processing time for paper applications can take up to 3 business days.
iv. The completed applications can be submitted in one of the following ways:
1. Fax: (847) 264-2308 Attention: HSA Department
2. Email: HSA@firstambank.com
3. Mail: First American Bank, Attn: HSA Department
P.O. Box 0794, Elk Grove Village, IL 60009
v. Incomplete applications will be returned which will result in a delay in processing.
b. If you intend to make contributions into your employees’ accounts, your employee must provide you with the
account number that is included in the Welcome Packet. The packet is sent via U.S. mail once the account has
been opened.*
*First American Bank is limited to providing account information to accountholders only.
First American Bank - ID Information:
Primary Identification:
U.S. Drivers License Foreign Passport
U.S. Passport U.S. Armed Forces Card
U.S. State ID Card Matricula Card
Secondary Forms of ID: (Necessary only if an individual has not passed our verfication process)
Any of the above forms of ID U.S. Auto Registration Form
State Voters Registration Card Student ID Card
State U.S. Birth Certificate Original ITIN
U.S. Alien Registration Card Current Utility Bill
Identification information is required for the account signer and the additional signer (if applicable). Identity Verification: Federal law requires all financial institutions to obtain, verify and record information that identifies
each person who opens an account. Therefore, when your employees enroll in an HSA we will ask for name, address, DOB, and other information that will allow us to identify each individual. We may ask for Driver's License
information or other identifying documents. All new accounts are verified through Chexsystems.
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Transfers:
Are your employees transferring their current HSA to First American Bank?
Our application contains all of the necessary information to transfer funds from another HSA. To ensure a smooth transition,
please notify your HSA Account Manager if an employee will be transferring. Depending on the financial institution from which
your employee is transferring, the process could take several weeks.
Step 3: Funding Options
EMPLOYERS: There are three options available to fund your employees’ accounts:
1) Direct Deposit/Payroll Deduction – Preferred Method
A payroll deduction can be processed through your payroll processor or in house system. This deduction would
process the same as any other payroll deduction you currently have in place.
Provide the following information to your payroll processor for each employee:
First American Bank’s routing number: 071922777
Employee name
Employee account number*
Employee account type: checking
*Obtain employee account numbers from your employees after their accounts are established.
2) Open a Business Checking Account
Open a business account at First American and use our online system, Ca$hTrac, which will allow you to directly debit
an operating account and credit employees’ individual accounts within 48 hours. Ca$hTrac gives you full control of the
payments to employees. If you are interested in learning more, please contact our HSA Operations team at (847) 586-
2099 for further assistance. (Fees apply)
3) Current Financial Institution
Contact your current financial institution to discuss payment options to transfer directly to your employees’ accounts.
Possible services that may be available include bill payment, ACH (direct deposit), or wire transfers.
EMPLOYEES: There are two options available to employees who wish to contribute to their HSA:
1) Online Banking Transfer – Preferred Method
Employees can set up an external transfer through First American Bank’s online banking from an account at another
bank. This will deduct the funds from the employee's personal checking or savings account at the other bank and credit
his or her HSA at First American Bank.
2) Check
A check made payable to the employee (accountholder) or First American Bank can be mailed to the bank or deposited
at any of our 50 branch locations.
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How to Contact First American Bank HSA Department
You may contact First American Bank's HSA Department through one of the following methods:
Mail: First American Bank
Attn: HSA Department
P.O. Box 0794
Elk Grove Village, IL 60009
Email: HSA@firstambank.com
Phone: Toll Free (866) 449-1150
Locally (847) 952-3700, select Option “2”, and then Option “4”
Fax: (847) 264-2308
Time Line
The entire account application process should take no longer than 5 business days if all the required information is provided.
1) A debit card is ordered when we receive the completed applications.*
2) If your employee has requested checks, we will place the order when the account is funded.
3) Checks and debit cards will arrive in 7-15 business days. If a deposit has not been made to the account, then the
checks will be ordered upon receipt of initial contribution.
If you have any questions, please contact our HSA Help Desk toll free at (866) 449-1150 or locally at (847) 952-3700, select
option “2”, and then option “4” or by email HSA@FirstAmBank.com.
*First American Bank has the right to refuse HSA debit card issuance.
Employees who enroll in the HSA eStatement account must enroll in our Online Banking service within 90 days of account opening. If the employee fails to do so, the account
will convert to our HSA Paper Statement account and a $3.95 monthly fee will be charged. The fee will be waived if; 1) the customer elects to receive electronic statements only;
or 2) a combined minimum average daily balance of $2,000 is maintained between the checking portion of the Health Savings Account and an associated checking, NOW,
savings or money market account.