Health Savings Account (HSA)

Save and Earn With HSA Advantage

Introducing our HSA Advantage account

Earn 2.66% APY* and a $250 bonus on balances of $4,000 or greater. Offer available for a limited time.

Save and Earn

The Benefits of a First Bank and Trust Company Health Savings Account

Unused funds roll over annually

Grow your reserve for medical expenses year after year.

No fees or restrictions

Unlimited withdrawals for qualified expenses and no monthly service fees.

Tax Benefits

Consult your advisor regarding the tax benefits of an HSA.

Unused funds roll over annually

Grow your reserve for medical expenses year after year.

No fees or restrictions

Unlimited withdrawals for qualified expenses and no monthly service fees.

Tax Benefits

Consult your advisor regarding the tax benefits of an HSA.

Find a location to open an HSA Advantage account today!

Save and Earn With HSA Advantage

A Smarter Way to Save on Healthcare

High-deductible health plans require financial planning to prepare for current and future medical expenses. With a Health Savings Account Advantage (HSA) from First Bank and Trust Company, you can take the stress out of paying for medical care while earning interest on your balance in the process.

Making purchases

A health savings account (HSA) is a special account owned by an individual that is used to pay for current and future qualified medical expenses.

HSA Account Details:

Open an account with as little as $1.00 and enjoy no minimum monthly balance requirements.
Earn interest on balances of $2,500 or greater
Free with eStatements
Portability - your HSA account is yours, so you can take it with you through job changes and retirement.

HSA Advantage Account Details:

Open an account with $4,000.00
Earn 2.62% APY* and a $250 bonus on balances of $4,000 or greater. Offer available for a limited time.
Free with eStatements
Portability - your HSA account is yours, so you can take it with you through job changes and retirement.

Making purchases and withdrawals with your HSA account for qualified medical expense is quick, easy, and secure!

Ways to Pay

Pay for qualified medical expenses using tap to pay with your digital wallet.
Use your First Bank and Trust Company HSA Visa Debit Card.

Managing your HSA account and keeping track of your balance and purchases is easy and convenient with First Bank and Trust Company's digital banking platform.

With digital banking, you can:

View and search your transactions.
Access, download, and print your eStatements.
Transfer funds from other First Bank and Trust accounts
Turn your card on or off with card management

Calculate your potential savings and interest on your HSA balance over time.

HSA Advantage Account Disclosure

*Annual Percentage Yield accurate as of 04/01/26 and may change monthly based on the four-week Treasury Bill rate, less 1.00%. If the balance falls below $4,000, the account will pay our standard savings account rate.**To qualify for the $250 bonus, individuals must open a new HSA Advantage account with new funds not currently on deposit with First Bank and Trust Company and have an existing or open a new demand deposit account with a minimum $50 opening deposit for the bonus to be deposited. Existing HSA customers may upgrade to the premium rate but are not eligible for the bonus. The $250 bonus will be paid within 30 days of the HSA being opened and funded. Bonus will be reported as interest income on IRS Form 1099-INT or 1099-SA, as applicable. First Bank and Trust Company reserves the right to modify or discontinue this offer at any time without notice.