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Health Savings Accounts.

Pay for health care costs the smart way. These products are all FDIC insured.

If your business is enrolled in a qualified high-deductible health plan, a Community Trust Bank Health Savings Account (HSA) is a great way to manage your health care costs. Read below to find out how your business can benefit.

HSAs allow individuals to save for future health expenses on a tax-preferred basis. Anyone covered by a High Deductible Health Plan who has no other first dollar coverage may establish a HSA.

Health Savings Accounts are portable. You can keep your HSA even if you change jobs, change medical coverage, become unemployed, move to another state, or change your marital status. 

Community Trust offers HSAs as an interest-bearing checking account with the following advantages:

  • No service charge
  • Free debit card to access funds
  • Competitive interest rates
  • Tax Advantages of HSAs*
  • Contributions to HSAs are tax deductible. Contributions made by employers are not taxed to either the employer or the employee and can also be made on a pre-tax basis through payroll deduction. Tax free distributions can be taken for qualified medical expenses for you as the account holder, your spouse, or any dependents, even if they are not covered by the High Deductible Health Plan. Interest earnings on HSAs are also tax-free.

Learn more about HSAs by visiting

*Consult your tax advisor.