First American Bank offers Express Credit to maximize the use of your Health Savings Account benefits.  Express Credit is an unsecured line of credit that can be used when your medical bills are higher than your available balance.

• Express Credit is an unsecured, personal, revolving line of credit 
• Funds can be used for any type of medical expense
• Transfer funds from your Express Credit into your HSA checking account and use your HSA MasterCard® debit card
• Repayment methods are up to you–a choice of paying interest only, or paying interest plus principal
• Consult your tax advisor

Here are some of the many features you receive with Express Credit:

• Maximum loan amount: $10,000
• 5 year term
• No application fee

If you have questions and are calling outside the Chicago area, call our toll free HSA Help Line at (866) 449-1150. Within the Chicagoland area, call us at (847) 952-3700 (option 2, then 4), or Email us.