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
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

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.
Get the Support You Need to Realize Your Business Goals
Merchant Services
Accept all the ways your customers prefer to pay. Heartland offers innovative payment and point-of-sale solutions for your business.
Payroll 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
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 mycreditunion.gov to learn more about your Share Insurance Coverage.
Learning Center
-
business graph on a computer
10 Ways to Grow Your Business
A business' ability to be nimble and responsive determines its capacity to come out on top of challenges and obstacles.Man in cafe writing and using tabletWriting Your Business Plan in 5 Easy Steps
Learn more about how to craft your business plan and bring your business dreams to fruition. -
Handing over car keys
Buying a Car from a Private Seller? Here’s What You Need to Know
Here are some tips for buying a car from a private seller that protect you from buying a lemon.Female college studentAn Easy Guide to Student Loans
Here are five tips to help you get a better understanding of student loans. -
Banking Email & Website Awareness
Banking Email & Website Awareness
Use common sense, intuition and extreme care when your personal and financial information is at stake.Banking Phone ScamsBanking Phone Scams
It’s important to remember that people are still targeted by fraudsters via phone. Visit us to learn what to know when dealing with calls you didn't initiate. -
Couple looking over plans
Is a Renovation Mortgage Right for You?
Finance both the purchase price of a home, plus the cost of future repairs and/or updates.Two female friends sitting on living room floor surrounded by boxes.The Pros and Cons of Buying a House With A Friend
Learn what you need to know, including the risks and the financial implications, on buying a home with a friend. -
Man sitting on living room floor holding dog.
Your Complete Guide To Renter’s Insurance
Learn about the valuable aspects of financial protection and coverage offered by renter’s insurance.Exterior image of home with storm clouds aboveYour Complete Guide To Homeowners Insurance
Learn how to find coverage options without overpaying for more protection than you need. -
Father with daughter holding piggy bank
Raising Your Kids to Be Financially Independent Adults
Check out some tips for raising kids to be financially independent adults.
Two Veterans standing in front of American flagsFinancial Resources for Veterans
Here’s a list of financial resources created especially for veterans. Having served our country, you deserve all this and more.
We Are Here To Help
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.