$50 minimum opening deposit
$20 account set-up fee
Interest compounds monthly
Interest earned on account may be tax free
No monthly service fee
Account access with Debit Card
No Debit Card fee
No annual account fee
A federally approved, tax exempt account designed for the purpose of paying medical expenses for individuals and families with a qualified high-deductible health care plan
Contributions may be tax deductible and can be made by an individual or by an employer
Withdrawals for qualified medical expenses are tax deductible
Unused funds and interest are carried over, without limit, from year-to-year
The funds can be transferred due to a plan change or retirement and are not forfeited for nonuse
Monthly statement
Online Banking & BillPay
FDIC insurance coverage up to the maximum amount permitted by law.

Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.