Health Savings Accounts (HSA)

Savings for your financial well-being.

Designed to help you save for qualified medical and health expenses on a tax-advantaged basis, participating in a Health Savings Account (HSA) means you will be prepared for medical events. Plus, experience the benefits of tax-deductible contributions and tax-free earnings and withdrawals along the way. Please consult your tax advisor.

A minimum of $25.00 is required to open the account. eStatement enrollment is required to avoid a $3.00 paper statement fee.

Why Choose an HSA?

  • Tax-Free

    Not only are contributions to your account tax-deductible, or tax-deferred if made by your employer, any investment earnings and withdrawals for qualified medical expenses are also tax-free.

  • Fully Portable

    Whether you change jobs or become self-employed, your account stays with you.

  • Convenient

    Your HSA with Illinois Bank & Trust, a division of HTLF Bank earns interest and comes with a Visa Debit Card for your convenience in paying for doctor fees, prescriptions and other medical expense purchases.

Employee and Individual


Welcome Letter

     Employers (only)     


Welcome Letter

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