Saturna HSA review

Saturna fits a narrower group: savers who want Saturna Capital's Amana or Saturna funds in a tax-advantaged health account. Its HSA brochure lists a $0.00 monthly fee, no enrollment fee and no trading fees on affiliated funds, and says investments in Saturna managed funds carry no asset-based fee. Funds outside that family cost 0.30% a year. Contributions and withdrawals run through an FDIC insured UMB Bank spending account with a Saturna HSA VISA Debit Card, online bill pay, online reimbursement and ReceiptVault for storing receipts. The account page says you can start investing once the balance reaches $500, from a fund menu Saturna selects on performance, manager tenure and expense ratio. The costs show up at the edges: a $25 account closure and transfer fee, $3.00 a quarter for paper statements and a $15 bank wire fee. The fee table we checked sits in a brochure stored under a 2020 folder on Saturna's site, so confirm it in your account agreement before opening.

Who it is for

investors who want Amana or Saturna mutual funds in an HSA

Price

$0.00 monthly fee; 0.30% a year on non-Saturna funds; $25 closure and transfer fee.

Monthly Fee $0.00 monthly fee
Quoted from the vendor pricing page on November 13, 2026.

Key features

• $0.00 monthly fee and no enrollment fee
• No asset-based fee on investments held in Saturna managed mutual funds
• 0.30% annual asset-based fee on non-Saturna funds
• Invest once the account reaches a $500 minimum balance
• Saturna HSA VISA Debit Card, online bill pay and ReceiptVault for receipts

Strengths and weaknesses

• Strength: No account charges if you hold Saturna's own funds
• Strength: Cash held in an FDIC insured UMB Bank account
• Strength: ReceiptVault stores receipts for as long as the HSA is open
• Weakness: $25 account closure and transfer fee
• Weakness: $3.00 quarterly fee for paper statements
• Weakness: Fund menu is narrower than a full brokerage HSA

Key facts

• Monthly fee: $0.00
• Minimum to invest: $500 balance
• Non-Saturna funds: 0.30% a year
• Closure or transfer: $25

Where it ranks

Saturna HSA is No. 5 in our Best HSA Providers verdict.