Health Savings Accounts
A SouthWest Bank Health Savings Account (HSA) is a great way to save for medical expenses. An HSA account is similar to a personal savings account and is available to those with a qualified high deductible health plan (HDHP). The funds from an HSA account can be used for qualifying medical expenses such as doctor visits, prescriptions, vision care and dental work. HSA accounts at SouthWest Bank are subject to a $5 service charge.
$0.00Minimum to Open
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* This account is an interest bearing account. The interest rate and annual percentage yield (APY) are included in the Rate Chart. The interest rate and APY may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
** This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum. Interest begins to accrue no later than the business day the bank receives credit for your deposit.
Scam artists try to trick people into clicking on links that will download viruses, spyware, and other unwanted software — often by bundling it with popular free downloads. To reduce your risk of downloading malware:
- Install and update security software, and use a firewall. Set your security software, internet browser, and operating system (like Windows or Mac OS X) to update automatically.
- Don’t change your browser’s security settings. You can minimize “drive-by” or bundled downloads if you keep your browser’s default security settings.
- Pay attention to your browser’s security warnings. Many browsers come with built-in security scanners that warn you before you visit an infected webpage or download a malicious file.
- Instead of clicking on a link in an email, type the URL of a trusted site directly into your browser. Criminals send emails that appear to be from companies you know and trust. The links may look legitimate, but clicking on them could download malware or send you to a scam site.
- Don’t open attachments in emails unless you know who sent it and what it is. Opening the wrong attachment — even if it seems to be from friends or family — can install malware on your computer.
- Get well-known software directly from the source. Sites that offer lots of different browsers, PDF readers, and other popular software for free are more likely to include malware.
- Read each screen when installing new software. If you don’t recognize a program, or are prompted to install additional “bundled” software, decline the additional program or exit the installation process.
- Don’t click on popups or banner ads about your computer’s performance. Scammers insert unwanted software into banner ads that look legitimate, especially ads about your computer’s health. Avoid clicking on these ads if you don’t know the source.
- Scan USBs and other external devices before using them. These devices can be infected with malware, especially if you use them in high traffic places, like photo printing stations or public computers.
- Talk about safe computing. Tell your friends and family that some online actions can put the computer at risk: clicking on pop-ups, downloading “free” games or programs, opening chain emails, or posting personal information.
- Back up your data regularly. Whether it’s your taxes, photos, or other documents that are important to you, back up any data that you’d want to keep in case your computer crashes.
Monitor your computer for unusual behavior. Your computer may be infected with malware if it:
- slows down, crashes, or displays repeated error messages
- won’t shut down or restart
- serves a barrage of pop-ups
- serves inappropriate ads or ads that interfere with page content
- won’t let you remove unwanted software
- injects ads in places you typically wouldn’t see them, such as government websites
- displays web pages you didn’t intend to visit, or sends emails you didn’t write
Other warning signs of malware include:
- new and unexpected toolbars or icons in your browser or on your desktop
- unexpected changes in your browser, like using a new default search engine or displaying new tabs you didn’t open
- a sudden or repeated change in your computer’s internet home page
- a laptop battery that drains more quickly than it should
Get Rid of Malware
If you suspect there is malware on your computer, take these steps: