Checking, Savings & HSA Accounts
Accounts built for the Hy-Vee family.
Checking, Savings & HSA Accounts
Accounts built for the Hy-Vee family.
Personal Accounts
Compare your options in the tables below or apply now using these links.
Compare Your Checking Options
| HY-VEE E-CHECKING* | HY-VEE SMART START CHECKING (18 AND YOUNGER) | |
|---|---|---|
| OPEN AN ACCOUNT | Open a Hy-Vee Deposit Account Hy-Vee E-Checking & E-Savings Bundle Hy-Vee E-Checking | Open a Hy-Vee Smart Start Deposit Account Hy-Vee Smart Start Checking & Savings (Minors) |
| OPENING BALANCE | $0 Minimum Deposit to Open Account | $0 Minimum Deposit to Open Account |
| MINIMUM BALANCE | $0 Minimum Daily Balance | $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 CARDS | Includes Debit Card | 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+. | Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner. |
Compare Your Checking Options
$0 Minimum Deposit to Open Account
$0 Minimum Daily Balance
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
$0 Minimum Deposit to Open Account
$0 Minimum Daily Balance
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
Compare Your Savings Options
| HY-VEE E-SAVINGS* | HY-VEE SMART START SAVINGS (18 AND YOUNGER) | |
|---|---|---|
| OPEN AN ACCOUNT | Open a Hy-Vee Deposit Account Hy-Vee E-Checking & E-Savings Bundle Hy-Vee E-Savings | Open a Hy-Vee Deposit Account Hy-Vee Smart Start Checking & Savings (Minors) |
| OPENING BALANCE | $0 Minimum Deposit to Open Account | $0 Minimum Deposit to Open Account |
| MINIMUM BALANCE | $50 Minimum Daily Balance | $0 Minimum Daily Balance |
| INTEREST | Compounded 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 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+. | Ages 14-17 can open a Hy-Vee Smart Start Checking or Savings without a joint owner. |
Compare Your Savings Options
$0 Minimum Deposit to Open Account
$50 Minimum Daily Balance
View Rates
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
$0 Minimum Deposit to Open Account
$0 Minimum Daily Balance
View Rates
Avoid the $5 monthly paper statement fee by signing up to receive free eStatements.
Learn More
Health Savings Account Information
| HEALTH SAVINGS ACCOUNT (HSA) | |
|---|---|
| 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 | $4,150 (individual) $8,300 (family) 2024 Annual Contribution |
| ENROLLMENT FEE | 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 |
Health Savings Account Information
$8,300 (family)
2024 Annual Contribution
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.
Quarterly fee, subject to state sales tax.
View Rates
All Checking Accounts Include:
Resource Center
We do more than banking.
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.
2022 Contribution Max
- Individual = $3,650.00
- Family = $7,300.00
2023 Contribution Max
- Individual = $3,850.00
- Family = $7,750.00
*Hy-Vee matches of $500 or $1,000 count towards the max that can be contributed.