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Welcome to United Bank!
This page will help you to utilize your Health Savings Account efficiently. If you have any questions regarding your account please contact John Knoppers at 616-559-4556 or Eric Soya at 616-559-4534.

Account Opening

United Bank gives you options to make opening your account as easy as possible. Simply follow the instructions below to open your account online. If you do not wish to open your account online simply open the printable application, complete the form and submit to United Bank of Michigan.

How To Access Your HSA Funds

Online Banking

Now you can have 24-hour access to real-time account information from the convenience of your personal computer. Personal Online Banking is convenient, easy to use, and more secure than ever.

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Skip-the-Trip Deposits

Our Skip-the-Trip service allows you to electronically deposit checks right from your home or small office, anytime day or night. Deposits are made utilizing a desktop scanner or multifunction device that connects directly to your PC and the Internet. Simple, easy to follow instructions within our internet banking website guide you through the step-by-step process of making a deposit from home. It's a fast and easy way for you to save a trip to the Bank and clear those paper checks quicker.

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Bank-to-Bank Transfers

Our Bank to Bank (B2B) transfer service for personal bank accounts allows you to move funds quickly and easily between United Bank and other accounts you may have at other financial institutions. You maintain control of how much, and when funds are transferred. Transfers are safe, secure and fast.

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ATM Access

As a Grand Valley State University Health Savings Account customer, all ATM fees are waived for your HSA debit card. You may conduct unlimited transactions at any ATM, including deposits, withdrawals, and balance inquiries, and we won't charge you a fee. In addition, we will reimburse you for any fee charged by the financial institution that owns that ATM.

Tax Information

United Bank's HSA account holders will receive two tax forms concerning their HSA. The first form is the 1099-SA. This form is sent out by January 31st and discloses distributions for the previous calendar year. The 5498-SA is sent out by May 31 of each year. This form discloses Fair Market Value, and contributions made for credit to the previous year. Remember that contributions can be made until the tax deadline day for the previous year. Thus, this form is sent out between April 15 and May 31.

In addition, in January, you will receive a year end statement. This can be used to calculate your contribution amount for the year to that point. This statement is also available online.