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Health Savings Account (HSA)

An account that helps you balance your health and finances

A smart prescription for managing health expenses.

Managing medical expenses is one of the greatest challenges for many people today. United Bank is pleased to offer a smart and healthy way to help make those costs more affordable – Health Savings Accounts (HSA).

Start managing your healthcare dollars

With a United Bank (HSA) you can pay for qualified medical expenses on a pre-tax basis. You simply have a pre‑tax portion of your pay direct deposited to your United Bank HSA and use funds to help pay for deductibles, prescriptions, vision and dental care, and other health expenses.

  • Minimum to Open $100
  • Minimum to Earn Interest $1
  • Tiered Interest Yes
  • Save for current and future medical expenses when enrolled in a high-deductible health plan
  • Tax-exempt account pays for qualified medical expenses, preventative care, long-term care insurance, COBRA continuation, health insurance in effect while receiving unemployment compensation, and any health insurance premium, other than Medicare, if you are 65 years of age or older


  • If your funds aren’t used, you can carry them over year after year.
  • Convenient access with Online Banking and Bill Pay
  • A United Bank Debit Card to make paying for qualified medical costs easy.
  • The ability to transfer funds from another Health Savings Account.

For a listing of IRS-Qualified Medical Expenses please visit the IRS website.

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All United Bank Savings Accounts come with

    ATM or Debit MasterCard
    direct deposit
    online banking
    mobile banking
    50+ convenient locations