Health Savings Account changes

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Timing: October 2026

Your HSA will be moving to a new, upgraded solution designed to continue supporting your savings and healthcare needs. Continue to watch for communications from us as we prepare your new account. If you haven’t already, review your existing account profile to ensure your contact information is up to date, including your address, email address and mobile phone number.

Important dates for existing Synovus HSA clients

Date Event
9/15/2026 New HSA opened on Pinnacle Health & Benefits platform
9/15/2026 Debit card will be ordered for you and mailed to the address on file
10/2/2026 Final date to make contributions to your existing account
10/2/2026 Your new HSA debit card should have been received
10/3/2026 Existing funds transferred into your Pinnacle Health & Benefits HAS
10/3/2026 Your existing Synovus account will be closed and your debit card will be longer work
1/1/2027 Closed HSA will no longer show in your online banking portal

IMPORTANT: You must log in and accept the account agreement before you can pay expenses from your new HSA.

Important information for HSA Investments

If you currently invest a portion of your HSA assets, your investments must be liquidated and deposited into your HSA cash account prior to the funds being transferred into your new account. Once your funds have been transferred, you can choose to invest1 in our diverse set of mutual funds.2 3

Date Event
9/23/2026 Final date to liquidate investments if you want to do it yourself
9/25/2026 All investments will be liquidated and deposited into your cash account

Items that will need your attention

  • Continue to watch for communications from us as we prepare your new account.
  • If you haven’t already, review your existing account profile to ensure your contact information is up to date, including your address, email address, and mobile phone number.
  • Plan to update any direct deposits, automatic withdrawals, recurring transfers or other payment arrangements associated with your current HSA with your new account and/or debit card information.
  • If you are currently investing a portion of your HSA assets, choose whether to liquidate your investments early or allow your investments to be liquidated in the automated process.
  • Securely dispose of your current HSA checkbook. Once your account has been opened, you'll receive a welcome email from Pinnacle with details about how to make payments in the online portal or mobile app.

Check out our frequently asked questions for more information.

Important disclosure information

Only bank deposit accounts are FDIC insured. Investment products and services are not FDIC insured, are not deposits of or other obligations of Pinnacle Bank, are not guaranteed by Pinnacle Bank, and involve investment risk, including possible loss of principal amount invested.

  1. Clients are urged to carefully weigh the advantages and disadvantages of investing HSA funds versus holding them in their Pinnacle Health Savings Account. Investors should carefully read the prospectus from each mutual fund selected before investing. There are no guarantees that the investment will make money, and additional contributions above and beyond the yearly maximum HSA contributions cannot be made to an HSA account to replace any losses that result from investing. HSA investments are not deposits of or guaranteed by Pinnacle Bank, are not insured by the FDIC and may lose value. Please keep these factors in mind when considering this option. Back
  2. Please refer to the individual fund prospectus for further performance, expense and fee information. Back
  3. We will deduct a custodial management fee from your investment account in an amount up to 1/16 of 1 percent (0.0625%) per quarter before the end of each calendar quarter. This equates to 0.25%, which is $2.50 per $1,000, annually. Back