Skip to Main Content Skip to Sitemap

Health Savings Account

Save money and gain control over your health care costs.


  • Convenient Access
    Convenient Access

    An HSA Debit Card allows you to access funds anytime for medical expenses.

  • Tiered Interest Checking
    Tiered Interest Checking

    The more you keep in your HSA account, the more interest you'll earn.

  • Variety
    Variety

    Choose from Single HSA and Family HSA to meet your unique needs.

promotional link supporting image
High-yield & free, with advantages
Edge Checking
Learn More

Preparation Can Minimize Your Stress

Consider Our Health Savings Accounts.

If you or a family members had a health setback, how would you handle the costs? An HSA helps our members in Grand Rapids, Lansing and other parts of Michigan avoid the intense financial stress that often comes from unexpected medical expenses.

These special savings accounts create a financial buffer against health-related costs while providing certain tax benefits that your financial advisor can explain in full detail. Use this account to pay for health expenses immediately or in the future, as long as you're currently enrolled in a High-Deductible Health Plan (HDHP).

  • You can claim a tax deduction for contributions you or someone other than your employer makes to your HSA, even if you do not itemize your deductions on Form 1040.
  • Contributions to your HSA made by your employer (including contributions made through a cafeteria plan) may be excluded from your gross income.
  • The contributions remain in your account until you use them.
  • The interest or other earnings on the assets in the account are tax-free.
  • Distributions may be tax-free if you pay qualified medical expenses.
  • An HSA is portable, meaning you keep it even if you change employers or leave the work force.

You must meet these requirements to open an HSA:

  • You must be covered under a High-Deductible Health Plan (HDHP), on the first day of the month
  • You have no other health coverage except what is permitted
  • You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone else's tax return