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Most people prefer to make regular contributions through payroll deductions. Sign up through your employer, and your contributions will be deducted from every paycheck on a pretax or after-tax basis, or both— depending on what your employer allows. You can change your contribution rate at any time— when your monthly budget changes or you expect more bills. If you haven’t already received instructions from your employer on how to get started, contact HR. If your employer does not support payroll contributions, see Direct Contributions for other ways you can contribute to your account.
These are after-tax contributions made by you or on your behalf. To make a direct contribution, you can:
Electronically transfer the funds from a personal account. Log into your account at HSA.UMB.com and select “Make a Contribution.”
Write a personal check. Mail your check along with a contribution form to UMB (get it from the Documents & Forms section of HSA.UMB.com). Contribution deposits are credited on the date of receipt. Lump-sum contributions can also be deducted from your gross income on your annual tax return so that you won’t owe income taxes— whether you itemize your expenses or not.
Check to see whether your employer will provide funding to your account. When the contributions are made can vary as well. Keep in mind that any contributions your employer makes cannot be deducted on your tax return—they are not considered taxable income, so you don’t pay taxes on them.
Not sure exactly what we’re looking for or just want clarification? We’d be happy to chat with you and clear things up for you. Anytime!
Friends and family members are allowed to make contributions to your HSA on your behalf All contributions—yours, your employer’s, family or friends’—count toward the annual maximum set by the Internal Revenue Service.
