Checking, Savings & HSA Accounts

Accounts built for the Hy-Vee family.

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Checking, Savings & HSA Accounts

Accounts built for the Hy-Vee family.

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It Pays to Bank With Us

Receive a monthly Hy-Vee Fuel Saver discount when you swipe your debit card 15x within a month.* Already have an account? Easily submit your PERKs number using the form below and we'll add it to your account!

Add my PERKs Information

Personal Accounts

Compare your options in the tables below or apply now using these links.

Hy-Vee
E-Checking &
E-Savings

Open Account

Hy-Vee Smart Start Savings (Minors)

Contact Us

Health Savings Account

Open Account

Compare Your Checking Options

HY-VEE E-CHECKING*HY-VEE SMART START CHECKING (18 AND YOUNGER)
OPEN AN ACCOUNTOpen a Hy-Vee Deposit Account

Hy-Vee E-Checking & E-Savings Bundle
Hy-Vee E-Checking 		Open a Hy-Vee Smart Start Deposit Account (Minors)

Open On Workday
OPENING BALANCE$100
$0 Minimum Deposit to Open Account		$100
$0 Minimum Deposit to Open Account
MINIMUM BALANCE$100
$0 Minimum Daily Balance		$100
$0 Minimum Daily Balance
MONTHLY PAPER STATEMENT FEE$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More 		$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
DEBIT CARDSIncludes Debit Card Includes Debit Card
AGE REQUIREMENTBe at least 18 years old or ages 14-17 can open a Hy-Vee Account E-Checking or E-Savings with a joint owner age 18+.Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner.

Compare Your Checking Options

OPEN AN ACCOUNT
Open a Hy-Vee Deposit Account

Hy-Vee E-Checking & E-Savings Bundle
Hy-Vee E-Checking
OPENING BALANCE
$100
$0 Minimum Deposit to Open Account
MINIMUM BALANCE
$100
$0 Minimum Daily Balance
MONTHLY PAPER STATEMENT FEE
$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
DEBIT CARDS
Includes Debit Card
AGE REQUIREMENT
Be at least 18 years old or ages 14-17 can open a Hy-Vee Account E-Checking or E-Savings with a joint owner age 18+.
OPEN AN ACCOUNT
Open a Hy-Vee Smart Start Deposit Account (Minors)

Open On Workday
OPENING BALANCE
$100
$0 Minimum Deposit to Open Account
MINIMUM BALANCE
$100
$0 Minimum Daily Balance
MONTHLY PAPER STATEMENT FEE
$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
DEBIT CARDS
Includes Debit Card
AGE REQUIREMENT
Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner.

Compare Your Savings Options

HY-VEE E-SAVINGS*HY-VEE SMART START SAVINGS
(18 AND YOUNGER)
OPEN AN ACCOUNTOpen a Hy-Vee Deposit Account

Hy-Vee E-Checking & E-Savings Bundle
Hy-Vee E-Savings 		Open a Hy-Vee Deposit Account

 Contact Us to Open a Hy-Vee Smart Start Savings (Minors)
OPENING BALANCE $200
$0 Minimum Deposit to Open Account		$25
$0 Minimum Deposit to Open Account
MINIMUM BALANCE$200
$50 Minimum Daily Balance		$25
$0 Minimum Daily Balance
INTERESTCompounded Monthly
View Rates		Compounded Monthly
View Rates
MONTHLY PAPER STATEMENT FEE$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More 		$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
AGE REQUIREMENTBe at least 18 years old or ages 14-17 can open a Hy-Vee Account E-Checking or E-Savings with a joint owner age 18+.Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner.

Compare Your Savings Options

OPEN AN ACCOUNT
Open a Hy-Vee Deposit Account

Hy-Vee E-Checking & E-Savings Bundle
Hy-Vee E-Savings
OPENING BALANCE
$200
$0 Minimum Deposit to Open Account
MINIMUM BALANCE
$200
$50 Minimum Daily Balance
INTEREST
Compounded Monthly
View Rates
MONTHLY PAPER STATEMENT FEE
$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
AGE REQUIREMENT
Be at least 18 years old or ages 14-17 can open a Hy-Vee Account E-Checking or E-Savings with a joint owner age 18+.
OPEN AN ACCOUNT
Open a Hy-Vee Deposit Account

 Contact Us to Open a Hy-Vee Smart Start Savings (Minors)
OPENING BALANCE
$25
$0 Minimum Deposit to Open Account
MINIMUM BALANCE
$25
$0 Minimum Daily Balance
INTEREST
Compounded Monthly
View Rates
MONTHLY PAPER STATEMENT FEE
$5 Paper Statement Fee
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
AGE REQUIREMENT
Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner.

Health Savings Account Information

HEALTH SAVINGS ACCOUNT (HSA)
OPEN AN ACCOUNTHSA Account
HEALTH PLAN ELIGIBILITYEmployee must be enrolled in the Advanced Plan through Hy-Vee to qualify for a HSA.
EMPLOYEE ELIGIBILITYFull-Time & Regular-Time Employee Status
OPENING BALANCE$0
DAILY MINIMUM BALANCE$0
IRS MAXIMUM CONTRIBUTION AMOUNTS$4,400 (individual)
$8,750 (family)
2026 Annual Contribution
ENROLLMENT FEE$25 $0
Enrollment Fee is waived for the initial opening for Hy-Vee Employees. If a Hy-Vee Employee closes that first HSA, the Enrollment Fee for any HSA(s) opened by the Employee at a later date will not be covered by Hy-Vee.
MAINTENANCE FEE$3
Quarterly fee, subject to state sales tax.
INTERESTCompounded Quarterly
View Rates

Health Savings Account Information

OPEN AN ACCOUNT
HSA Account
HEALTH PLAN ELIGIBILITY
Employee must be enrolled in the Advanced Plan through Hy-Vee to qualify for a HSA.
EMPLOYEE ELIGIBILITY
Full-Time & Regular-Time Employee Status
OPENING BALANCE
$0
DAILY MINIMUM BALANCE
$0
IRS MAXIMUM CONTRIBUTION AMOUNTS
$4,400 (individual)
$8,750 (family)
2026 Annual Contribution
ENROLLMENT FEE
$25 $0
Enrollment Fee is waived for the initial opening for Hy-Vee Employees. If a Hy-Vee Employee closes that first HSA, the Enrollment Fee for any HSA(s) opened by the Employee at a later date will not be covered by Hy-Vee.
MAINTENANCE FEE
$3
Quarterly fee, subject to state sales tax.
INTEREST
Compounded Quarterly
View Rates

All Checking Accounts Include:

Customer Support

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Thousands of No-Surcharge ATMs

ATM Locations

Online / Mobile Banking

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Resource Center

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We do more than banking.

Check out our insurance options

Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.

Checking, Savings & HSA FAQs

Account numbers can be found on online statements. Go to "Menu" > "Transactions" > "Statements".

Download the MHBank2Go app > click "Enroll" (in the left corner of the bottom banner) > enter your personal information > "Requested Login ID" is the username you would like to use. You will be successfully enrolled!

Yes. Once you are set up for online banking, go to the Account Overview page > select "Statements" from the menu on the left > read and agree to the Terms and Conditions > select "Online" as the delivery method. 

A Health Savings Account is a tax-exempt account that is used to pay or reimburse certain medical expenses you incur. Participants enroll in a high deductible health insurance plan and are then eligible to open a tax-deductible account to cover current and future medical expenses. The interest or other earnings on the assets in the account are tax free. The contributions remain in your account until you use them and roll over from year to year.

To be an eligible individual and qualify for an HSA, you must meet the following requirements:

  • You are covered under a high deductible health plan (HDHP)
  • You aren’t enrolled in Medicare
  • You can’t be claimed as a dependent on someone else’s tax return

The contribution limit is set by the Internal Revenue Service (IRS) and may change every year. Here are recent limits.


2025 Contribution Max

  • Individual = $4,300.00
  • Family = $8,550.00

2026 Contribution Max

  • Individual = $4,400.00
  • Family = $8,750.00

Individuals age 55 or older can make an additional $1,000 catch-up contribution annually.


*Hy-Vee matches of $500 or $1,000 count towards the max that can be contributed.

Need More Help?

800-782-0521
800-782-0521
EMAIL US
EMAIL US

Legal Disclosures and Information

*May be discontinued without notice. Must have at least 15 debit card purchases post to your account within a calendar month. ATM transactions are not included. Must provide your Hy-Vee PERKS number and full name to Midwest Heritage via account creation or by contacting Customer Care by phone at 1-800-782-0521 or emailing [email protected] (one-time requirement). When qualifications are met, Fuel Saver will be loaded within 7 business days of the last day of the previous month. Only one $0.25 Fuel Saver discount allowed per account and per month. See Hy-Vee PERKS Terms & Conditions for Fuel Saver program details (including expirations) at www.hy-vee.com/perks.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.