Health Savings Account (HSA)

A Health Savings Account is a tax-advantaged way to save for health care expenses. If you are enrolled in a qualified High Deductible Health Plan (HDHP), your HSA provides you triple tax benefits!

A Health Savings Account is FREE

Tax savings occur as contributions made by you or your employer are excluded from income. Any interest earned is tax-deferred, and if your HSA funds are used for qualified medical expenses, they are never taxed.

A Health Savings Account with First Bank and Trust has no service charges. You’ll earn interest, and you can access your health care funds with an HSA VISA® debit card, checks or Online Banking.

Learn about qualifications, contributions and how a Health Savings Account worksLearn More

Health Savings Account Information

HSA VISA® Debit CardAn HSA is easy to use and offers:

  • No balance requirement, no monthly fee
  • No transaction fees or set up fees
  • Free HSA VISA debit card
  • Free Online Banking and Online Bill Pay
  • Optional check access

Make deposits by:

  1. payroll deduction,
  2. at a teller, or
  3. transfer from other FBT Accounts.

Open a First Bank and Trust HSA and see how it can make staying healthy easier for you.