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Health Savings Accounts (Employer Sponsored)

CNB and leading provider, HSA Bank, have teamed up to bring HSAs to your employees.  An HSA is a tax-favored account used in conjunction with an HSA-compatible health plan – allowing employers to support staff contribution of funds on a pre-tax or tax-deductible basis, used for eligible medical expenses.

Why open an HSA with CNB:

  • Make deposits and withdrawals at any of our convenient CNB Bank Offices
  • Gain the exceptional customer service expected of CNB, with the experience of HSA Bank
  • Utilize HSA Bank's online account management services made available to you 

Tax Deductible  

Contributions are Tax-Deductible

If contributed to HSA account through a payroll deduction - they are pretax.


Tax-Free Interest

The interest earned on the HSA account is all tax-free and the owner can make tax-free withdrawals for qualified medical expenses.

Online Enrollment

Dedicated Call Center

Access to the HSA Call Center available 24 hours a day, 7 days a week – (800) 357-6246.

Enroll by Phone

Enroll Online or by Phone

Online enrollment is quick and easy.  Enroll  by phone by calling (866) 357-5232, Monday - Friday 8am-8pm, ET.


Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, that offers a full range of banking services, including personal and commercial banking, trust and investment services, and insurance and payroll services. As your business grows and changes, we will be there with a full range of financial planning products and services—including succession planning, custodial services, health savings accounts, employer-sponsored retirement plans, WorkPlace Banking, and more.