Estate planning and settlement at HSA Bank
Name beneficiaries online and report a death at 1-800-357-6246
HSA Bank has changed ownershipAcquired, effective August 2026
HSA Bank keeps its own brand, its own 24/7 Client Assistance Center, and its own forms, but the chartered bank behind it changed: it is now a division of Santander Bank, N.A. rather than Webster Bank, N.A. Banco Santander, S.A. completed its acquisition of Webster Financial Corporation on August 20, 2026, contributed the surviving entity to Santander Holdings USA, Inc., and merged Webster Bank, National Association into Santander Bank, National Association the same day, with Santander Bank the surviving bank (Webster Financial Form 8-K, August 20, 2026). FDIC BankFind records Webster Bank, N.A. (certificate 18221) as inactive with an end date of 08/20/2026 and Santander Bank, N.A. (certificate 29950) as active, so an HSA deposit balance is now insured through certificate 29950. Section L(b) of the HSA Custodial Agreement is the clause that carried the accounts across: if the organization holding the HSA "is bought by another organization, that organization ... shall automatically become the trustee or custodian of your HSA." Estate procedures, contacts, and forms below are HSA Bank's own and were re-verified after the close.
HSA Bank is an HSA provider whose health savings accounts pass by beneficiary designation, not by will. Whether the balance keeps its tax advantages depends on who inherits it—a surviving spouse can treat it as their own HSA, while other beneficiaries receive taxable proceeds—so the designation on file matters a great deal.
At HSA Bank, beneficiary designations are managed online and by mail.
HSA Bank has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to manage beneficiaries online, and review 2 account types at HSA Bank.
Preparing your estate →Death claim process
Report the death to HSA Bank's Client Assistance Center at 1-800-357-6246. The page lists the steps and the documents to send.
When someone dies →
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Data sourced from HSA Bank primary sources (15 pages reviewed). How we research.
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Estate planning articles
Learn how to protect your HSA Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
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Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
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Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
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