First National Bank of River Falls offers a tax advantage medical savings account, known as an HSA, to taxpayers who are enrolled in a high deductible health plan (HDHP). If you are eligible, benefits may include tax-free deposits, investment earnings and withdrawals that are used for medical expenses. FNBRF HSA accounts provide tiered interest rates, a free check card for convenient access, no monthly fee, your first order of checks free, and online or mobile access to your transactions and statements.