HSAs often provide a tax advantage because pre-tax contributions can be deducted from your payroll. Speak to a tax professional to see how an HSA could positively affect your tax liability.
Paying for qualified medical expenses has never been easier with an HSA debit card, HSA checks or ACH.
Funds carry over
Your HSA funds carry over so you will not lose money you haven't used by the end of each calendar year, like with a Flexible Spending Account.
HSA Mastercard debit card
Put your HSA debit card in your Digital Wallet to pay for qualifying medical expenses with your phone, or swipe your card at the terminal.
No minimum balance
You do not need to maintain a specific balance, making this account easy to maintain and stress-free.
Eligible family members can get their very own HSA debit card to make paying for qualified medical expenses easy for the whole family.
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I recently opened an HSA account and even after 35 years of membership, Heartland continues to be a great place. I've always been a big supporter of what credit unions do.
Pre-tax employer contributions
With an HSA, your employer can deposit funds before they are taxed to help you save more for your time of need.
Tax-free spending for healthcare costs
Depending on the medical expense, you may be able to make a tax-free purchase, saving you more on healthcare costs.
High contribution limits
Families can contribute up to $7,750 and individuals can contribute up to $3,850 of pre-taxed money. If you are over 55 years old, an extra $1,000 per plan can be added.
Transfer to other accounts
You can easily and quickly transfer HSA funds to your regular checking account in digital banking to pay for qualified expenses.
Interest bearing account
You can earn tax-free interest on your HSA balance, meaning you can keep more for potential expenses.