Further (formerly SelectAccount) vs Saturna Capital
2026 side-by-side comparison of fees, investment options, and features.
Further (formerly SelectAccount)
Further (formerly SelectAccount) was acquired by HealthEquity in 2021. They offer a straightforward HSA with mutual fund investing and Schwab brokerage access at higher balances.
Saturna Capital
Saturna Capital offers a unique HSA with no fees for investing in their own mutual funds, including socially responsible and Islamic-compliant (Shifa) options. Their Pershing brokerage account provides full access to stocks, ETFs, and other investments.
Quick Verdict
Choose Further (formerly SelectAccount) if...
Employees whose employer offers Further as the HSA administrator
Choose Saturna Capital if...
Investors who want Saturna funds or Islamic-compliant (Shifa) HSA options
Feature Comparison
| Feature | Further (formerly SelectAccount) | Saturna Capital |
|---|---|---|
| Monthly Fee | Varies by employer plan | $0 (for Saturna funds) |
| Investment Minimum | $1,000 | $500 |
| Investment Options | 30+ mutual funds, Schwab brokerage (at $10K+) | Saturna mutual funds (no fee), or full brokerage via Pershing |
| Interest Rate | 0.01%–0.05% APY | N/A (investment-focused) |
| Account Type | fintech | brokerage |
| FDIC Insured | Yes | No |
| Mobile App | Yes | Yes |
| Debit Card | Yes | Yes |
Further (formerly SelectAccount)
Pros
- No hidden fees (no replacement card fees, etc.)
- Schwab brokerage available at $10,000+
- Acquired by HealthEquity - improved platform
- Good employer-sponsored option
Cons
- $18/year investment account fee
- $1,000 minimum to start investing
- $10,000 needed for Schwab brokerage
- Interest rates are low
Saturna Capital
Pros
- No fees for investing in Saturna mutual funds
- Full brokerage through Pershing (stocks, ETFs, bonds)
- Shifa HSA option for Islamic-compliant investing
- Morningstar "above average" rating
- Great for socially responsible investors
Cons
- 0.30% annual fee for non-Saturna funds
- Smaller provider - less name recognition
- Not FDIC insured (SIPC protected)
- Commission fees for trading non-NTF funds
Provider Details
Further (formerly SelectAccount)
Further (formerly SelectAccount) was acquired by HealthEquity in 2021. They offer a straightforward HSA with mutual fund investing and Schwab brokerage access at higher balances.
Monthly Fee
Varies by employer plan
Investment Minimum
$1,000
Investment Options
30+ mutual funds, Schwab brokerage (at $10K+)
Best For
Employees whose employer offers Further as the HSA administrator
Saturna Capital
Saturna Capital offers a unique HSA with no fees for investing in their own mutual funds, including socially responsible and Islamic-compliant (Shifa) options. Their Pershing brokerage account provides full access to stocks, ETFs, and other investments.
Monthly Fee
$0 (for Saturna funds)
Investment Minimum
$500
Investment Options
Saturna mutual funds (no fee), or full brokerage via Pershing
Best For
Investors who want Saturna funds or Islamic-compliant (Shifa) HSA options
Frequently Asked Questions
Which has lower fees, Further (formerly SelectAccount) or Saturna Capital?
Further (formerly SelectAccount) charges Varies by employer plan per month, while Saturna Capital charges $0 (for Saturna funds). Compare total costs including investment fees before deciding.
Which has better investment options?
Further (formerly SelectAccount) offers 30+ mutual funds, Schwab brokerage (at $10K+). Saturna Capital offers Saturna mutual funds (no fee), or full brokerage via Pershing. The best choice depends on your investment style and preferences.
Is my money FDIC insured with Further (formerly SelectAccount) or Saturna Capital?
Further (formerly SelectAccount) offers FDIC insurance on cash deposits. Saturna Capital does not offer FDIC insurance, but invested funds may have SIPC protection.
Can I transfer my HSA from Further (formerly SelectAccount) to Saturna Capital?
Yes, you can transfer your HSA funds between any HSA providers. Most transfers take 2-4 weeks. Check with both Further (formerly SelectAccount) and Saturna Capital for any transfer fees - incoming transfers are usually free, but outgoing transfers may incur a fee.
Which HSA is better for long-term investing?
For long-term investing, consider Saturna Capital with $500 investment minimum. Further (formerly SelectAccount) is employees whose employer offers further as the hsa administrator. Saturna Capital is investors who want saturna funds or islamic-compliant (shifa) hsa options. Both can work well for building retirement health savings.
Does HSA Trackr work with Further (formerly SelectAccount) and Saturna Capital?
Yes, HSA Trackr works with any HSA provider including both Further (formerly SelectAccount) and Saturna Capital. Track your medical expenses, store receipts, and know exactly how much you can reimburse tax-free - regardless of which HSA you choose.
Related Comparisons
This comparison is for informational purposes only. HSA provider features and fees may change. Verify current information directly with each provider before opening an account.
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