Looking for your InComm Benefits or Zenda account?

Maximize Your HSA

Introducing a new way to HSA with InComm Benefits’
revolutionary automation-driven Visa® debit card and mobile app.

Making benefits make sense

A Powerful automation-driven platform with expert tax-saving strategies and integrated IRS rules

  • Single card for all expenses
  • Health expense auto-classification
  • Automated record-keeping

Demystifying HSAs

InComm Benefits is debunking common myths to reveal
the truth about health savings accounts.

The Cashback HSA Card is Here

Transform health care spending with rewards on all purchases!

Let Us Do the Work

Our automated tools find eligible expenses you might have missed.

An HSA for Everyone

Don’t have the funds? No problem. Spend now and contribute to the health savings account later.

Technology + Service

ONE app and ONE card supported by our proprietary modern technology platform​, and a U.S.-based customer service team.

Smart-Guided Education

Change the way employees think about saving for health expenses with our self-driving mobile app. They save year-round.

Innovative benefits for


InComm Benefits’ pioneering product is the future of employee benefits, with automated and intuitive HSA and FSA accounts. Simplify the user experience by providing automatic purchase recognition and receipt tracking. Drive adoption & enrollment of HDHP, boost employee satisfaction, and encourage automated savings using cutting-edge solutions and investment options.

Intuitive benefits for


Never miss an eligible medical expense or product purchase again! Get the most from your health savings account with our smart Visa debit card, mobile app, and cash back on all purchases. Leverage your pre-tax contributions to pay for out-of-pocket medical, dental, and vision healthcare expenses, and thousands of over-the-counter products, or to grow your funds with our automatic investment options. Check out this handy list of FAQs about our spending account products.

Flexible benefits for


A revolutionary health savings account—with reliable, hassle free benefits employers love, and that helps employees get the full benefit of their HSA account. With their tax-free HSA dollars they can mitigate health care costs, pay for qualified medical expenses, and invest in their future. Our commitment to you:

  • Offer a seamless experience for your clients

  • We support your needs every step of the way
  • Offer tools and resources for your clients
Did You Know:

78% of employees avoid using their HSA card if they’re unsure an expense is covered.*

InComm Benefits connects the HSA card with an Everyday Account, backing up your funds, so you never have to worry.

Elevate your employee benefits with a health savings account that’s truly for everyone.

HSA Like a Pro

Introducing a new era in health savings products—using smart technology to simplify savings and grant you peace of mind.

app bubble for creating a health expense

Spend & Save

  • Automatically looks for tax-saving strategies and finds savings you might have missed.
  • Not sure if it’s a qualified expense? You can still swipe. If it’s not, the Everyday account will cover it.
app bubble for viewing accounts

Never Worry About a Receipt Again

  • Multiple accounts on one card means you just swipe, and the app does the rest.
  • Automatically saves your receipts.

See what our clients say about InComm Benefits as their HSA provider and the innovation delivered to their employees.**

“Gives us just-in-time guidance for employees, and for me, as I juggle all our benefits administration and payroll.”

– Natalie, Benefits Manager, Real Intent

“We’re transferring benefits and [InComm] brought a unique approach that’s new in the market.” –  Ray, Global Benefits, DataStax
“Our employees seek choice in balancing current spending and future savings, and [InComm] brings real-time actionability.” – Bassel, CEO, LigaData
“Super easy rollout and administration.” – Sarah, Benefits Manager, Sierra Ventures
“Responsive and knowledgeable in the services they provide. Their webinars offer straightforward explanations on topics that are useful to the overall experience.” – Shelly, HR Operations Manager, Costal Community Bank

Check out our Resource Center!

One place for all the latest from InComm Benefits in videos, articles, infographics, and more. We’re more than the average HSA provider—bringing you year-round education, industry insights, and employee resources.

In The News

Connect with us on LinkedIn:
HSA myth buster using a flashlight looking for the truth about health savings accounts.
HSA Myth Busters

HSA Myth Busters

We have a complicated relationship with health savings accounts, surrounded by stigmas and misinformation. InComm Benefits is changing the way you think about HSAs.Debunking HSA Myths  Contribute with ease: Effortlessly allocate tax-free funds...

Read More

person managing their InComm HSA via mobile app
5 Ways to Maximize Your HSA

5 Ways to Maximize Your HSA

1. The more that employees contribute to HSAs, the more taxes they save. HSAs are one of the most tax-advantaged accounts, and the money is theirs forever. Immediate tax-exempt contributions. Federal tax-free investment earnings and dividends....

Read More

Spending account resources at your fingertips.

Take the first step to elevating your employee benefits—contact us to learn more.

*2024 InComm research study to 1,500 full-time employees

**Testimonials are from actual paying customers.

Banking services are provided by Coastal Community Bank, member FDIC. The InComm HSA benefits card is issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc. InComm spending accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. Privacy notice for Coastal Community Bank can be found here.

Investment products are not insured by Coastal Community Bank, the FDIC, or any Federal Government Agency and may lose value.