Health Savings Accounts

Health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers who are enrolled in a high deductible health plan (HDHP).  HSA’s are owned by the individual and the funds contributed are used to pay for qualified medical expenses at any time.

Minimum Annual Deductible to Qualify
Tax Year
Self-Only Coverage
Family Coverage
2024
$1,600
$3,200
2025
$1,600
$3,200
Maximum Out-of-Pocket Expenses to Qualify
Tax Year
Self-Only Coverage
Family Coverage
2024
$8,050
$16,100
2025
$8,050
$16,100
HSA Contribution Limits
Tax Year
Self -Only Contribution Limit
Family Contribution Limit
Catch-Up Contribution Limit
2024
$4,150
$8,300
$1,000 per individual age 55 or older
2025
$4,300
$8,550
$1,000 per individual age 55 or older

Fraud Alert

We’ve been made aware that customers are receiving fraudulent text messages and phone calls
claiming to be from Commercial Bank referencing fake transactions or suspicious account
activity. Texts are coming from phone number 208-909-8008. The phone calls appear to come
from our main line, 314-434-4141. Don’t trust caller ID. Caller ID can be modified to show any
name and number.

Please be advised:

  • These messages are not from Commercial Bank.
  • Do not click on any links or provide personal or financial information in response.
  • Do not provide your online banking username, password, debit card number,
    account number, or any personal information.

If you received one of these texts, we recommend deleting it immediately. If you receive a phone
call, hang up immediately. Please be vigilant and review all your banking accounts for any
suspicious activity. If you suspect any unauthorized transactions, contact us immediately.

Stay vigilant,

Commercial Bank Security Team

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