Looking for your InComm Benefits or Zenda account?

Making benefits make sense

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

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

Let Us Do the Work

Our AI Finds eligible expenses you might have missed.

An HSA for Everyone

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

Technology + Service

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

AI-Guided Education

Change the way employees think about an HSA 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 AI-powered 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 HSA with our self-driving and automated HSA debit card and mobile app. Leverage your pre-tax HSA 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 HSA and FSA 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 HSA 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 HSA funds, so you never have to worry.

Elevate your employee benefits with an HSA for everyone.

Introducing a New Era in HSA Products

Using AI to simplify savings and grant you peace of mind.

app bubble for creating a health expense

Find Savings You Might Have Missed

  • Automatically looks for tax-saving strategies.
  • 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 the innovation they deliver 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

In The News

InComm Payments Named “Best Overall FinTech Company” in 8th Annual FinTech Breakthrough Awards Program

InComm Payments Named “Best Overall FinTech Company” in 8th Annual FinTech Breakthrough Awards Program

Prestigious Annual Awards Program Recognizes Outstanding Financial Technology Products and Companies Around the WorldATLANTA – March 14, 2024 – InComm Payments, a leading payments technology company, today announced that it has been selected as...

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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....

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HSA 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.