health savings account

A minimum deposit of $100.00 is required to open the account.

Service Charges

If a Health Savings Account has withdrawals in excess of 2 withdrawals per month, a charge of $1.00 will be assessed for each excess withdrawal.


You can withdraw funds from your Health Savings Account in person or by phone.  These withdrawals are governed by the restrictions in the custodial agreement.  Compliance with those terms is the responsibility of the account holder.  On interest bearing accounts, except time certificates of deposit, we reserve the right to require at least seven days written notice before any withdrawal.

We do not allow pre-authorized automatic debits against health savings accounts to pay third parties. 

Interest Earnings

Interest earned is credited, and compounded, to the account monthly.  If you close your account before interest is credited, you will not receive the accrued interest.  If the average daily balance of the account for any month is less than $50.00, no interest will be earned for that period.

Interest is calculated on the average daily balance.  Adding the balance of the account for each day of the month and dividing that sum by the number of days in the month determines such average balance of an account.

Interest begins to accrue on non-cash deposits no later than the business day on which the deposit posts to the account.  Checks are considered non-cash items.

The interest rate and Annual Percentage Yield may change.  At our discretion, we may change the interest rate on your account monthly.  The account statement will report the Annual Percentage Yield.  You may call the bank anytime to learn the current interest rate your account is earning.
Withdrawals from your account may reduce earnings.

Periodic Account Statements

We mail account statements to you monthly.


If you have questions about your account earnings or charges please contact us at:

Brunswick State Bank   Brunswick State Bank
POB 29   Winnetoon Branch Office
Brunswick, NE 68720 or POB 131
402/842-2435   Winnetoon, NE 68789
888/393-7945   402/847-3223