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Type
Rate
APR*
2.50%
2.658%
2.50%
2.695%
Type
Rate
APY*
0.50%
0.50%
0.40%
0.40%
Type
Rate
APY*
1.19%
1.20%
0.85%
0.85%
Type
Rate
APY*
0.75%
0.75%
0.50%
0.50%
View all rates / disclosures.

*(APY) Annual Percentage Yield

(APR) Annual Percentage Rate

View Mortgage Rates and Apply!
 
Health Savings Account (HSA)

Health Savings Accounts (HSAs)

A Health Savings Account (HSA) is a tax-advantaged way to pay for healthcare expenses. Although it’s called a “savings” account, it actually functions as a checking account through the use of the following free features: Check Card access, Online Banking, EZPay and E-Statements.

This FDIC-insured account makes it possible for customers to pay current medical expenses while also saving for future qualified medical and retiree health expenses. The money in this account (including interest paid on qualified balances) is yours to keep, even if you change plans or retire from the company sponsoring your HSA. Here is a summary of key benefits:

  • Contributions made to an HSA are tax deductible.
  • Withdrawals for qualified medical expenses are tax-free.
  • Interest earned on this account is tax-free.
  • You own, control and invest the money in your HSA.
  • Unused funds are carried over from year to year without limit.
  • Easy access through your Heritage debit card.

To participate in an HSA, you must be covered by a High Deductible Health Plan (HDHP). For more information, ask your employer or a Heritage Bank customer service representative.*

* Individuals entitled to Medicare benefits or those being claimed as a dependent are not eligible.

For a complete description and full disclosure of account details, please contact a Heritage Bank customer service representative.


Contact us about a Health Savings Account

To open an account, contact a customer service representative at any branch or complete the form below.

Please Note: Do not send personal account information using this form.

* First Name:
* Last Name:
Address:
City/State/Zip:
* Phone #:
* Email:
* Product:
* Nearest branch:
Message:
* By checking this box, I understand that I am authorizing a representative of Heritage Bank of Central Illinois to contact me via the information provided.
Please type the code you see:
 

Education Center

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Click here to access the Education Center.

Lost / Stolen Debit Card

If you've lost your card and it is not during our normal business hours, you can call the STAR® network at:

1-800-523-4175

and respond to the prompts.

Facebook

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Click here to go to our Facebook page.

Education Center

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center – Online Banking Demo

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Education Center.

Education Center

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Click here to access the Education Center.

Deluxe Check Ordering

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The site will load in a new, second browser window. To return to www.heritage-bnk.com, simply close the new window.

Click here to access the Deluxe check ordering page.

Deluxe Check Ordering

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Click here to access the Deluxe check ordering page.

Personal Credit Card Login

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Click here to access the First Bankcard login page.

Business Credit Card Login

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Click here to access the First Bankcard login page.

DLA Creative

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Click here to check out the DLA Creative site.