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Health Savings Account: Transfer or Roll Over Funds

If you already have a Health Savings Account (HSA) at another institution, it’s easy to transfer or roll over your funds to a Wells Fargo HSA. Consolidating your HSA with Wells Fargo provides many benefits, including: 

  • The convenience of having all HSA funds available in a single account for easier tracking of contributions, earnings, and distributions 
  • Simpler tax reporting and filing
  • Elimination of potential fees for which you may be responsible at your other HSA administrator
  • A wide array of mutual funds with no investment transaction fees that can help you plan for medical expenses now and in the future
  • Waiver of the monthly service fee if the combined deposit and investment balance in the HSA on the last day of the month is greater than or equal to $5,000
  • A library of tools including educational videos, investing tips, and the HSA Resource Center
  • Dedicated HSA customer service representatives

Two easy ways to consolidate more than one HSA:

  • HSA transfer — Your previous HSA provider sends a check payable to Wells Fargo, and we deposit the funds into your account.
  • HSA rollover — Your previous HSA provider sends a check payable to you. You would deposit the funds into your own checking account, then mail a personal check in the amount of the rollover to Wells Fargo.

Guidelines for completing a transfer of funds from an HSA or Archer MSA

  • A transfer is when a trustee or custodian distributes funds directly to an accountholder or to a new trustee or custodian, and the check is made payable to the new trustee or custodian. 
  • You may make a transfer contribution of funds from another HSA or Archer MSA at any time. 
  • The rollover amount does not count toward your annual contribution limits.

Guidelines for completing a rollover of funds from an HSA or Archer MSA

  • A rollover is when a trustee or custodian distributes funds directly to an accountholder and the check is made payable to the accountholder. 
  • The accountholder has 60 days to roll the funds over to a new trustee or custodian to avoid tax consequences. 
  • You may make a rollover contribution of funds from another HSA or Archer MSA during a one-year period. 
  • The rollover amount does not count toward your annual contribution limits.

How to transfer or roll over funds into a Wells Fargo HSA

If you haven’t already enrolled in a Wells Fargo HSA, open your new HSA today.

HSA-to-HSA transfers

Step one: Complete, print, and sign the Rollover/Transfer Request Form (PDF*).

Step two: Mail the completed form and a check payable to Wells Fargo Health Benefits Services from the HSA custodian/trustee to fund the transfer. Or, indicate on the form that you would like Wells Fargo to request the funds on your behalf.

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Archer MSA

Archer Medical Savings Accounts (MSAs) were established in 1997 and number among the IRS tax-favored health accounts, which include Health Savings Accounts, Flexible Spending Arrangements, and Health Reimbursement Arrangements.