Open an account today

Considering a high-deductible health plan or already participate in one? Open an HSA at Heartland Bank and rest assured that expenses will be covered.

A Health Savings Account (HSA) is a tax-exempt account established exclusively for the purpose of paying for qualified medical expenses, for you, your spouse and your dependents. This option must be paired with a high-deductible health plan.**

  • Tiered interest rate
  • $4 monthly maintenance fee (waived with $1,500 minimum daily balance or ownership of an additional Heartland Bank deposit account)
  • First order of basic HSA checks free of charge
  • Debit card access is available
  • Transfer or rollover funds from another HSA
  • HSA owner may add authorized signers allowing card eligibility

Click here for our HSA Fact Sheet.


2024 Statutory Contribution
Catch-Up Contributions
(age 55 or older)
Maximum Deductible Minimum Deductible 
Self-Only $4,150.00 $1,000.00  $8,050.00*  $1,600.00*
Family $8,300.00 $1,000.00  $16,100.00*  $3,200.00*


*These amounts are indexed annually for inflation.

**An individual is eligible to contribute to an HSA and may make/receive monthly contributions if they are covered under a high-deductible health plan, are not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), are not enrolled in Medicare, and may not be claimed as a dependent on another person’s tax return.

Mobile Wallets