If you need it, here are some optional services that we offer: `The funds in your HSA cash deposit account are held by the UMB BANK, n.a. FDIC member The interest rate and the annual percentage rate of return (“APY”) that apply to the entire balance of your HSA cash deposit account on any given day depend on the specific balance interval of your daily balance. The balance ranges are described below, and the initial initial interest rate for each interest rate and the APY and APY are shown in addition to the corresponding balance level. We reserve the right to change the interest rate and APY on your deposit account at any time, at our sole discretion. We are not required to notify you in advance of these changes. We also have the right to change the level of balance at which different interest rates can be paid. The interest you earn in your account is tax-exempt. We offer an excellent investment solution with the Bend HSA. It`s a great option. The investment access tax is $3/month. Functions include:.