A Smarter Way to Support Employee Health and Financial Wellness
Offering competitive benefits is essential for attracting and retaining top talent—and a Health Savings Account (HSA) can play a key role in strengthening your benefits package. American Community Bank & Trust HSAs are designed to help your employees save for qualified medical expenses while giving your business a cost-effective way to offer meaningful, tax-advantaged benefits*.
When paired with a high-deductible health plan, HSAs allow employees to contribute pre-tax dollars, grow their savings tax-free*, and use funds tax-free* for qualified medical expenses—creating value for both your team and your business. If you're interested in offering HSAs for your employees, please complete our online inquiry to connect with the ACBT team.
Health Savings Account Inquiry
*Subject to IRS rules and regulations.
Why HSAs Are Valuable for Business Owners
Health Savings Accounts give business owners a flexible and strategic way to manage healthcare costs while offering a highly valued employee benefit. With rising healthcare expenses, HSAs help balance affordability with long-term financial wellness for your team. For many businesses, HSAs provide advantages such as:
- Enhanced recruiting and retention by offering a competitive, employee-focused benefit
- Tax advantages for both employer and employee, including tax-deductible contributions and reduced payroll taxes
- Lower overall healthcare costs when paired with high-deductible health plans
- Flexible contribution options that allow you to manage costs based on your budget
HSAs empower employees to take control of their healthcare spending while giving your business a practical way to offer benefits that align with today’s workforce expectations
Why Choose an ACBT Health Savings Account
When you offer HSAs through American Community Bank & Trust, you provide your employees with convenient tools and reliable support to manage their healthcare savings:
- Free digital banking with bill pay for easy account management
- Free mobile banking for 24/7 access
- Monthly eStatements for clear and organized recordkeeping
- Debit card access to pay for qualified medical expenses wherever Visa® is accepted**
- Unlimited check writing for qualified medical expenses
Our team works with you to implement an HSA solution that fits your benefits strategy while helping your employees make the most of their healthcare dollars.
**Limits apply.