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Personal Banking

Health Savings Accounts

An HSA is an account that individuals can invest dollars to save for future medical expenses. An HSA is a tax-exempt account established for the purpose of paying medical expenses in conjunction with a High-Deductible Health Plan (HDHP).

The Benefits of owning a HSA

  • Tax Savings: Deductibility, earn tax-free interest, and tax-free withdrawals.
  • Control: You decide how much to save and when to spend the funds.
  • Flexibility: You decide whether to save the funds for future expenses or pay current expenses.
  • Ownership: The funds are a financial asset, for medical expenses, retirement or to pass on to family.
  • Long-Term Savings: Funds left to accumulate in a HSA grow tax-free.

United Bank & Trust Account Features

  • Minimum Opening Balance   $100
  • No Set up Fee
  • Free Debit Card
  • Free Online Access
  • Free Online Bill Pay
  • Free Online Statements
  • Monthly Maintance Fee          $2.00/mo

Click Here to view Frequently Asked Questions and Answers


For more information email or call (641)753-5900.


Each depositor is insured to at least $250,000. View the FDICs website for more information. ( Federal Deposit Insurance(FDIC) )