Here are some of the main advantages of traditional IRAs.

$500 is the minimum you may withdraw from principal. We may impose a penalty if you withdraw any of the principal before the maturity date. The penalty will equal:

• 3-months interest on the amount withdrawn if the term is less than 6 months.
• 6-months interest on the amount withdrawn if the term is 6 to 12 months.
• 12-months interest on the amount withdrawn if the term is greater than one year.

$500 is the minimum additional deposit for terms less than one year, and no additional deposits are allowed for terms one year or greater. (Varies by account. See account disclosure for details.)

Yes, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds or change the term without penalty.

$1,000 is the minimum balance required to open an NSB Certificate of Deposit. If you withdraw some of your funds before maturity and the balance falls below $1,000, you must close your account.

Yes, you can use your HSA to cover qualified medical expenses for you, your spouse, and any dependent children included on your income tax return.

You can check the balance in your HSA by calling a branch directly and speaking with a staff member, by calling the 800-NSB- CASH number or by checking online banking or mobile banking if you are enrolled.

Use your HSA debit card or checks to pay for IRS-qualified medical expenses. If you pay for part or all of your IRS-qualified medical expenses out-of-pocket, you can reimburse yourself later with HSA funds.

You can pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren't typically covered by health insurance plans such as deductibles, co-insurance, prescriptions, dental and vision care, and more. Visit the IRS website for a complete list of IRS-qualified medical expenses.

To be eligible for an HSA, you must be covered by a qualified high-deductible healthcare plan.