Debit Cards for Pre-Tax Accounts

Some pre-tax accounts are debit card enabled. This means you can access your funds at the time of your expense transaction to pay for copays or other qualified expenses. Eligible accounts for debit card include Health Savings Accounts (HSA), Healthcare Flexible Spending Accounts (HCFSA), Health Reimbursement Arrangements (HRA) and Commuter Accounts. Dependent Care FSAs are not eligible for debit cards. 

Is it a debit or credit card?

The Vita Flex debit card can be run using either the credit or debit designation at the time of your transaction. In order to use the debit function, you will need to create a PIN. To set up a PIN, simply call (866) 898-9795 and follow the prompts.

Supporting Documentation May Still be Required

Using a debit card does not waive the need for supporting documentation. If additional documentation is needed to support your expense, then you will be contacted by the contact preferences set up in our system. In order to be reimbursed for an eligible expense paid out of pocket, a claim can be filed through the portal. The Vita Flex debit card does not function at ATMs. 

Multiple Accounts with One Debit Card

There are complexities associated with having multiple accounts tied to one debit card. For more information, please review the knowledge article Debit Card Account Interaction.

Commuter Transactions 

You are able to spend up to the IRS monthly limit from your pre-tax parking or transit account each calendar month. The funds are drawn from the account associated with the merchant code of your provider. This may result in a rejected transaction at kiosks or convenience locations such as grocery or drug stores. We recommend purchasing passes directly from the parking or transit provider through their website to ensure approval. 

If you exceed your pre-tax balance or the IRS limit in any given month, the card will automatically pull from your post-tax funds, if you have them. 


If you have questions, please contact the Vita Concierge at (650) 966-1492 or

Comments (0)