Macatawa and Wintrust Announcement
Doctor listening to young girl's heart beat

Health Savings Account

A smart way to save for healthcare expenses. 

Manage your healthcare expenses and savings quickly, easily.

A Health Savings Account (HSA) is a medical savings account that offers tax advantages4 and is available to U.S. taxpayers who are enrolled in a high-deductible health plan (HDHP). Funds deposited to an HSA are made as pre-tax contributions. An HSA is different from a Flexible Spending Account because the funds roll over and accumulate year-after-year and are available for future medical expenses.


At Macatawa Bank, we offer convenient ways of paying for your qualified medical expenses: HSA MasterCard® Debit Card, checks or within Online Banking. Plus, account holders pay no monthly fees and have no minimum balance requirements.

Premium Interest Rates

We offer competitive tiered interest rates on our HSAs, allowing you to earn more as you save more.

Long-Term Management of your HSA Account

As your account grows in value, Macatawa Bank offers an optional HSA Investment Sweep3 dedicated to maximize the performance of your account.

Interested in talking to a Health Savings Account professional today?  Just complete the form below and we will be in touch.  

Health Savings - Individual and Family

  • Product Designed for Individuals or Families
  • Earns Tiered Interest
  • No Opening Balance Requirement
  • No Minimum Balance
  • No Monthly Service Charge
  • HSA MasterCard® Debit Card Available
  • Unlimited Check Writing
  • Check Orders (cost varies)
  • Free eStatements1
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking2
  • Free Mobile Deposit2
  • Investment Sweep Option3

Ready to apply for your HSA?

Choose between our Individual or Family Health Savings Accounts.

Apply for Individual HSA

Apply for Family HSA

Account Package Perks are subject to change.

1Requires an active Macatawa Bank Online Banking relationship.
2Data charges from mobile carrier may apply.

3Your HSA is insured by the FDIC; however, funds in your HSA Investment Sweep: are Not insured by the FDIC. Not a bank deposit, bank obligation, or guaranteed by the bank. May involve investment risk, including loss of principal.
4Please consult your tax advisor.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
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