5. With an HSA, you decide:
Depositing and Withdrawing Funds
When you fill out an application to open an HSA, you can usually arrange to make an initial deposit. You can do this by transferring money from another bank account, or you can send the bank a check or money order with a contribution/deposit form.
If your employer offers payroll deduction, you may elect to have an amount deducted pre-tax from your paycheck and deposited directly into your HSA. This contribution will be made before Social Security, federal and most state income taxes are deducted.
Some institutions will provide you with a debit card that you can use at a doctor’s office or pharmacy. You also have the option of paying out of pocket and then reimbursing yourself from your HSA later.