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Head-to-head · Health Savings Account (HSA) Software

UMB HSA vs First American Bank Health Account Services HSA

  • Updated Oct 2026
  • Both researched from official sources
  • 4 checks side by side
Higher score UMB HSA #3 in Health Savings Account (HSA) Software 8.3/10 Pricing on request ✓ 4 of 5 features Visit UMB HSA
First American Bank Health Account Services HSA #5 in Health Savings Account (HSA) Software 6.3/10 Pricing on request ✓ 0 of 5 features Visit First American

UMB HSA leads on 0 checks, First American Bank Health Account Services HSA on 0, and 4 are even. Who comes out ahead on the 4 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreUMB HSA · 8.3/10
  • Most featuresUMB HSA · 4 of 5

UMB HSA scores higher on our rubric for health savings account (hsa) software: 8.3 against 6.3 out of 10; our editors rank them #3 and #5.

UMB HSA is the better fit for employers needing HSA controls and reporting. First American Bank Health Account Services HSA is the better fit for organizations evaluating a bank-provided HSA service.

  • UMB HSA fits best

    Employers needing HSA controls and reporting

  • First American Bank Health Account Services HSA fits best

    Organizations evaluating a bank-provided HSA service

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Side by side

Feature UMB HSA 8.3/10 Visit ↗ First American Bank Health Account Services HSA 6.3/10 Visit ↗
At a glance
Editor score 8.3 6.3
Ranking #3 in Health Savings Account (HSA) Software #5 in Health Savings Account (HSA) Software
Best for Employers needing HSA controls and reporting Organizations evaluating a bank-provided HSA service
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan Not checked yet Not checked yet
Free trial — —
Deployment Cloud Cloud
Platforms Web Web
Features UMB HSA 4/5 · First American Bank Health Account Services HSA 0/5
Employer administration ✓ (best) Not checked yet
Account holder portal ✓ (best) Not checked yet
Contribution management ✓ (best) Not checked yet
HSA investments ✓ (best) Not checked yet
Mobile app Not checked yet Not checked yet
Our review
Pros
  • Employer portal provides real-time account information, reporting and analytics.
  • Participants can pay bills, request reimbursements and store receipts online.
  • HSA Saver investing and Visa debit card support are included.
  • Offered by First American Bank as a health savings account service
  • Intended for saving for qualified healthcare expenses
  • Presented through a web-based cloud service
Cons
  • Employer solution pricing requires contacting sales.
  • The listed platform is web-based only.
  • Some account-holder transactions and tools may require online access.
  • Pricing requires contacting sales
  • Detailed account-management features are not specified
  • Integration options are not specified
Our verdict

UMB HSA brings employer administration and account-holder tools together for organizations offering health savings accounts. Employers get enrollment and contribution options, administrative assistance, and a business portal with real-time…

Read the review →

First American Bank Health Account Services HSA is the bank’s health savings account offering for people saving for qualified healthcare expenses. It is presented on the bank’s personal health-and-benefit accounts website, with web access…

Read the review →
  1. UMB HSAHealth Savings Account (HSA) Software 8.3Pricing on request
  2. First American Bank Health Account Services HSAHealth Savings Account (HSA) Software 6.3Pricing on request

Strengths and trade-offs

  • UMB HSA — where it wins

    • Employer portal provides real-time account information, reporting and analytics.
    • Participants can pay bills, request reimbursements and store receipts online.
    • HSA Saver investing and Visa debit card support are included.

    Where it doesn't

    • Employer solution pricing requires contacting sales.
    • The listed platform is web-based only.
    • Some account-holder transactions and tools may require online access.

  • First American Bank Health Account Services HSA — where it wins

    • Offered by First American Bank as a health savings account service
    • Intended for saving for qualified healthcare expenses
    • Presented through a web-based cloud service

    Where it doesn't

    • Pricing requires contacting sales
    • Detailed account-management features are not specified
    • Integration options are not specified
  • UMB HSA8.3/10 · Pricing on request

    Combines employer controls and reporting with account-holder payment and investment tools.

    Visit UMB HSAFull verdict →
  • First American Bank Health Account Services HSA6.3/10 · Pricing on request

    A bank-provided HSA service for people saving for qualified healthcare expenses.

    Visit First AmericanFull verdict →

More comparisons

All health savings account (HSA) software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update