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PHASE 3BENEFITS

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PHASE 3BENEFITS

Smarter benefits. Healthier lives. Stronger futures.

The modern HSA, FSA, commuter, and LSA platform. Built on Phase 3 Payments' infrastructure. Designed for modern benefits.

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© 2026 Phase 3 Payments. Phase 3 Benefits is a Phase 3 Payments company. Privacy Terms Accessibility Disclosures

Phase 3 Benefits cards are issued by Coastal Community Bank, Member FDIC. HSA cash deposits are FDIC-insured up to applicable limits while held by Coastal Community Bank. Investments are not FDIC-insured, are not deposits, and may lose value. Information on this site is for general purposes and is not tax or legal advice. All third-party trademarks are the property of their respective owners.