Business Health Savings Accounts (HSA)

Attract and retain qualified talent with health benefits that manage insurance costs.

Provide Health Benefits to Your Employees

A Health Savings Account (HSA) allows you to set aside money on a pre-tax basis to pay for qualified medical expenses.1 They can be funded by the employee, the employer, or a combination.

  • Deposits are tax-deductible
  • Compete with larger firm offers
  • Covers qualified medical expenses
  • Easy to set up and offer to employees

Visit a Branch to Open a Business Health Savings Account

Make Competitive Job Offers

Healthcare is expensive. A Health Savings Account helps your employees pay for qualified medical expenses1 not covered by an insurance plan. Your business can help fill the gap with tax-advantaged contributions. 

  • Employees must be enrolled in a high-deductible health insurance plan (HDHP) to participate
  • They can’t be covered under alternative health insurance plans or Medicare (exclusions can be found here)
  • They can’t be listed as a dependent on a parent or guardian’s tax return

Affordable Coverage for Your Employees

Give your employees peace of mind and help them prepare for unexpected health costs. We’re locally established and community-focused with the competitive products and services you’ll need to achieve your business goals. Meet with a business relationship expert today.
Woman in a financial institution

Get Started with a Business HSA Account

HVCU provides employees with an HSA Checking Account and free HSA Visa® debit card, and access through ATMs, Internet Banking and Mobile Banking. Employees can make tax-deductible contributions to the account and withdraw tax-free funds to pay for qualified medical expenses. 

Educate Your Employees
Inform your staff of the advantages of an HSA account.

Set Up Your Contributions
Link payroll HSA deposits to your employee’s HVCU HSA Checking Accounts.

Provide Employee Access
Empower your employees with the tools to invest and manage their account.

Visit a Branch to Open a Business Health Savings Account

Get the Support You Need to Realize Your Business Goals

Merchant Services

Merchant Services
Accept all the ways your customers prefer to pay. Heartland offers innovative payment and point-of-sale solutions for your business.


Payroll ServicesPayroll Services
Payroll, HR, and benefits for today’s workplace. Choose the right level of technology and support for your business now—with the ability to grow as your needs change.

Business Checking

Business Checking
Manage payables and receivables with a simple, easy-to-use business checking account. 


Your Money Is Protected

Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit to learn more about your Share Insurance Coverage.

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Important Legal Disclosures & Information

Visa is a registered trademark of Visa International Service Association and used under license.

1The IRS defines qualified medical care expenses as payments for the diagnosis, cure, mitigation, treatment, or prevention of disease, or payments for treatments affecting any structure or function of the body. Visit the IRS website for a more detailed list of qualified medical expenses.