Automated and AI-powered spending accounts - including HSA, FSA, HRA and Commuter.
Simplified user experience with a mobile app that handles all the details for you. Manage multiple accounts together on one card and easily track expenses and store receipts.
New technology allows the debit card to find which products are eligible and which are not - right when you swipe the card. From there it easily pulls eligible costs from the HSA and ineligible costs from a backup account like your checking account. You don't even have to know what was eligible beforehand - no more missed expenses!
Plus, with Incomm’s AI-driven platform, you can uncover HSA eligible expenses you would have missed!
Don’t have the funds up front? No problem. Spend first and contribute to your account later.
The InComm Benefits mobile app features include:
- Secure access to all your benefit spending account balances and transaction history.
- Receive notifications and view details of all your debit card transactions.
- Safely link your external bank account for simplified expense reimbursements.
- Create and manage your claims for out-of-pocket expenses, including uploading supporting documents using your device’s camera or gallery.
- Manage your debit card, including requesting additional cards for family members.
- Open and manage an HSA investment account.
- Access to fast and friendly customer support.

InComm Benefits supports benefit spending accounts through employer sponsored benefits programs.
InComm Benefits is a financial technology company, not an FDIC-insured bank. Banking services are provided by Coastal Community Bank, Member FDIC. The InComm Visa ® Debit Card is issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc. InComm spending accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met.
Investment products are provided by Devenir Group LLC. Investment products are not insured by Coastal Community Bank, the FDIC, or any Federal Government Agency, are not a deposit, and may lose value.