Health Savings Accounts (HSAs) can help you save for future medical expenses plus provide tax advantages. Individuals covered under a High Deductible Health Plan (HDHP) are eligible to contribute to an HSA account. You can verify whether you have an HDHP Plan by contacting your insurance company and/or insurance agent. Typically, a HDHPs feature much lower premium payments. The money you save on premium payments can be invested in your HSA. You may use those funds to cover out-of-pocket qualified medical expenses.

Two Rivers Bank & Trust’s HSA is a tiered interest-bearing checking account. Funds withdrawn from your HSA should be for qualified medical expenses.

Contributions for an eligible individual are 100% tax deductible and can be made by yourself or your employer. Withdrawals for qualified medical expenses are tax free and easy - using either a Two Rivers Bank & Trust HSA debit card, HSA checks or in person by the HSA owner.

You don’t have to worry about using all your contribution in one year. HSA funds rollover from year to year. You have the option to use the funds for qualified medical expenses today or sometime in the future. An HSA is portable – it goes with you from employer to employer. It is owned by you; you are always 100% vested.

Please visit the HSA Service Center for any questions you should have regarding Health Savings Accounts.

Click here to view Two Rivers Bank & Trust’s Health Savings Account features.

When you are ready to establish your account, come on in to any of our locations and speak with a Personal Banker.

Employer Contribution Form