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Online Banking Upgrade: Wed. May 25

Online Banking will have a system upgrade beginning at 12:01 a.m. until 5 a.m. CDT Wed. May 25. Please note that users may be asked to verify their email address upon login after the upgrade.

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Home Personal Savings Health Savings Accounts

Health Savings Accounts

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Save Specifically for Health Care Costs

From planned check-ups and screenings to emergency and long-term care, these vital services can hit your wallet hard. Our Health Savings Account (HSA) will help you meet your deductible and/or out-of-pocket maximum expenses.

 

Qualifications for Using an HSA

There are a few eligibility requirements for health savings accounts:

  1. You must be covered by a high deductible health plan.
  2. You cannot also be covered by a health plan with a lower deductible.
  3. You cannot be enrolled in Medicare (or generally, younger than age 65).
  4. You cannot be a dependent claimed by someone else.

 

Benefits of HSAs

  • Tax benefits may apply (please consult your tax advisor for more information)
  • Balances rollover from year to year – no “use it or lose it” scenarios
  • Employers may also make contributions (check with your employer’s human resource personnel)
  • Payments are made through checks provided by Iowa State Bank

For 2022, eligible account holders can generally save as much as $3,650 for an individual and $7,300 for a family on an annual basis.

For 2023, eligible account holders can generally save as much as $3,850 for an individual and $7,750 for a family on an annual basis.

Contributions for account holders age 55 and older vary.

For more information on health savings accounts and how they can help you, call or stop by Iowa State Bank today!

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Contact Us

Algona
PH: (515) 295-3595

Algona: State Street Office
PH: (515) 295-2439

Corwith
PH: (515) 583-2390

Ruthven
PH: (712) 837-5215

Wesley
PH: (515) 679-4533

  • Lost/Stolen Debit Card: 800-472-3272
  • Office: 515-295-3595
  • Routing#: 073920939
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