Macatawa Bank


We know West Michigan because it’s the only place we do business. Macatawa Bank was born in 1997 by a group of local business leaders who had a vision of what a true community bank could be. Today, we remain true to our roots, the communities we serve, and our commitment to staying local. We have nearly 400 employees that live and work in this community, giving you access to immediate and responsible decisions to keep you moving ahead toward your financial goals.

Macatawa Bank offers a full range of banking services, retail and commercial lending, wealth management, treasury management, private banking and eBanking services. Whether you prefer mobile or in person banking, we are here for you. Our 26 full-service branches are conveniently located throughout Kent, Ottawa and northern Allegan counties.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$0.00+ 0.01% APY
Last checked on: 01-10-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $0.00
Account Opening Fee $0.00
Account Closing Fee Unknown

HSA Investment Options

Mutual Fund Platform: check_box   Self-Directed Brokerage: close   CDs: close   Other: close

Mutual Fund Details

Investment Threshold: $2,500
Investment Fee: 0.25% annual fee, charged monthly, based on the market value of your invested funds ($2.50 annually for each $1,000 invested) and a $10.00 per quarter fee ($40 annual fee)

Investment Sweep Function:

1. Your HSA contributions will continue to be deposited directly into your HSA Checking Account. Your HSA will be linked via an HSA Investment Sweep to your selected investment fund(s).

2. When the available balance in your HSA Checking Account exceeds $2,500, excess funds will automatically be swept in increments of $100 each Business Day to the investment funds(s) you have selected.

3. When the available balance in your HSA Checking Account falls below $2,500, any available funds will automatically be swept in increments of $100 each Business Day from your investment fund(s) to your HSA. Should proceeds be required from your HSA Investment Sweep, your investment funds(s) will be liquidated on a pro-rata basis

Contact Information

General Information

Address 10753 Macatawa Drive
Holland, MI 49424

Customer Service

Mailing Address Macatawa Bank
PO Box 3119
Holland, MI 49422-3119
Phone Number 877-820-2265
Email Address [email protected]