Sterling Administration


Sterling Administration is a privately held, financially self-sustaining company. Our full suite of products includes HSA, HRA, FSA, POP, COBRA, ERISA Wrap, Form 5500 Filing, PPACA Compliance Services, and an online employer benefits enrollment platform called Benefit Solutions. This is what we do. It’s all that we do and we are committed to making the complex simple for our clients and partners.

User Ratings

GD Star Rating

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$500 - $4,9990.10%
$5,000 - $9,9990.20%
$10,000 - $14,9990.30%
Last checked on: 08-14-2018. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee$2.50*
Account Opening Fee$0.00
Account Closing Fee$20.00

* $8.75 / month for the Sterling Standard Plan

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: check_box   CDs: close   Other: close

Self-Directed Brokerage Details

$16.00 Annual Fee (two transactions per year free of charge) & $10.00 Per Transaction Fee (after the first two complimentary per year)

To self-direct investments, Sterling accountholders may transfer funds in their HSA account to a joint brokerage account titled "Sterling HSA Administrator For The Benefit Of (Name Of Sterling Accountholder)". Once the joint brokerage account has been set up and the accountholder has completed a Sterling Transfer of Assets Form, Sterling will transfer funds from the HSA account to the joint brokerage account.

Remember, there is a minimum balance requirement of $20 which must be kept in your HSA. The monthly maintenance fee on the HSA account will continue to be charged, for this reason we ask you to also leave a minimum of one year's worth of fees in your HSA, or Service Fee Balance. An annual fee of $16 will also be charged for the outside investment account. Sterling recommends all accountholders keep an amount equal to their annual deductible or out-of-pocket maximum in their HSA account at a minimum. Additional brokerage fees may apply. Check with your broker-dealer for details.

Contact Information

General Information

AddressSterling Administration
475 14th Street, Suite 650
Oakland, CA 94612

Customer Service

Mailing AddressSterling Administration
P.O. Box 71107
Oakland, CA 94612
Phone Number(800)-617-4729
Email Address[email protected]