Commuter Guide | Transit

Save more on your ride to work

From your daily commute to the occasional ride around town, you can use commuter benefits to save more on everyday transit expenses.

What Are Commuter Transit benefits?

Commuter benefits let you use pre-tax dollars to pay for eligible transit expenses.

Expect Remarkable

24/7 member services

Award-winning mobile app¹

Convenient Help Center

Easy account management

How do I sign up?

You can activate Commuter benefits any time. No need to wait for open enrollment. Pause, change, or update your benefits whenever you want.

Go your own way

Train
Subway
Bus
Ferry

You can use your Commuter benefits to pay for thousands of eligible transit expenses.

Choose from two convenient payment options

Load funds onto your HealthEquity Commuter debit card
Get monthly transit passes or tickets mailed to your home

Maximize your savings

Your savings can add up fast

Here’s an example based on $3,000 annual spending and a 30 percent effective tax rate.

Transit expenses
$250/mo
($3,000/yr)

Annual tax savings²

$900

The more you spend, the more you save

Take your account to the max.

Transit Spending Limits

Tax year	Monthly limit
2024	$315
2025	$325

Tools and resources

Check out these additional resources.

Watch our on-demand Commuter webinar

Join our webinar to learn the commuter basics. We’ll show you how to use your benefits and save more on your ride to work.

Commuter Benefits: The Smartest Way to Get to Work

Take the burden off your commute. This video explains how to use Commuter benefits to maximize tax-savings on eligible parking and transit expenses.

¹Accounts must be activated via the HealthEquity website in order to use the mobile app.Return to content

²The example used is for illustrative purposes only; actual savings may vary. The figure is based on average tax rates, including state, federal and FICA taxes.Return to content

HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.