Online Banking

This account helps you cover
the cost of medical care
when combined with a High Deductible Health Plan.

Cubbank Beyondexpectations

Health Savings Account

If you participate in a High Deductible Health Plan, you qualify to open a Health Savings Account (HSA), which allows you to save for your health care deductibles or future medical expenses.

  • Earns Interest
  • Individually owned & controlled

Save Time and Money with these great products and services!

FREE HSA Debit Card
Enjoy everyday access to your funds at any ATM in the world and the convenience of making purchases without writing a check.¹

FREE² Mobile Banking
Bank on your phone from anywhere.

FREE² Quick Snap
Mobile Check Deposit.

Direct Deposit/Automatic Payments
Save yourself time with a convenient direct deposit or automatic payment. Take the hassle out of depositing paychecks or paying recurring bills.

FREE² Online Banking
You can bank from anywhere, and at any time.

FREE² Bill Pay
Don’t put up with lost mail and late payments when you can go online and simplify your life with the click of a button.

FREE² eStatements
Eliminate paper waste and enjoy secure online access to current and past statements by opting for electronic delivery.

FREE² AllPoint™ ATM Network
Access to 55,000 ATMs Nationwide

Health Savings Account FAQs -Click Here 

2021 HSA Contribution Limits

2021 offers individuals and families additional opportunities to save for current and future health care with a Health Savings Account (HSA):

  • HSA holders can choose to save up to $3,600 for an individual and $7,200 for a family (HSA holders 55 and older get to save an extra $1,000) – and these contributions are 100% tax deductible from gross income.
  • Minimum annual deductibles are $1,400 for self-only coverage or $2,800 for family coverage.
  • Annual out-of-pocket expenses (deductibles, copayments, and other amounts, but not premiums) cannot exceed $6,900 for self-only coverage and $13,800 for family coverage.


For more detailed information on HSA plans and taxes, visit the U.S. Department of Treasury website at Consult a tax advisor regarding the deductibility of interest.

View Our Current Rates

Offer good on personal accounts only; ask us about our outstanding options for your business or organization.

$1.00 daily minimum balance required to obtain Annual Percentage Yield. If daily balance falls below $1,000 any day of the month there is a $3.00 minimum balance monthly fee. Fees may reduce earnings on the account.
Mailed Paper Statement Fee $2.50 per month if average monthly balance falls below $2,500.00. Mailed Paper Statement fee is waived upon request for account owners 65 years of age or older.
1 Other fees such as ATM foreign usage may apply. See fee schedule for details.
2 Third party message, data and/or internet service provider rates may apply on any of our online or mobile banking products or services.

Ask us for details. Bank rules and regulations apply.