HSA Brochures & Forms: This link opens a PDF

HSA Brochure
HSA Application
IRS Form 5305-B

ESA Brochures & Forms: This link opens a PDF

ESA Brochure
ESA Application
IRS Form 5305-E
ESA Distribution Form

"Upon the subject of education... I view it as the most important subject which we as a people may be engaged in."

— Abraham Lincoln

The Saturna Advantage

Open your HSA or ESA with Saturna and take advantage of:

Low or no HSA or ESA Fees

If you invest in any of Saturna's no-load mutual funds, we will not charge you a custodial fee on your HSA or ESA account. There is never a fee on contributions or distributions, nor are there any monthly account charges.

Wide Range of Investment Choices

We offer a selection of Saturna no-load mutual funds with a variety of investment objectives. By investing in more than one fund, you can tailor your HSA or ESA to reflect your own risk and return objectives. Additionally, in a self-directed Brokerage HSA or ESA with Saturna Brokerage Services, you can purchase stocks, options, plus a wide range of unaffiliated (non-Saturna) mutual funds. We do not charge custodial fees on brokerage accounts.

Personalized Service

At Saturna Capital, we help make health and education savings easy. Our staff is dedicated to helping you with your questions. Your trained representative will help you customize your health or education savings strategy. You can even invest automatically from your bank account to your Saturna mutual fund HSA or ESA. Any way you choose to invest, you'll get one consolidated statement to track your HSA or ESA portfolio.

Online Account Access

Saturna Capital HSAs and ESAs allow you to keep track of your HSA and ESA expenses and account value online. You can also buy our mutual funds and trade stocks online.