United Bank


As some things in the world get more impersonal, it's comforting to know that your local United Bank of Michigan here in Grand Rapids is still your hometown bank. Even though United Bank offers the products and technology that make for easy banking, we haven't lost sight of the personalized service that has been bringing customers to our counters for generations.

Sure, we've grown since 1887, but we're still small enough to know your name when you come in the door, and we still believe that our success depends on your success.

User Ratings

GD Star Rating

HSA Program Features

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

HSA Interest Rates

Interest rates for various balance tiers
$0.00 - $999.99 0.10% APY
$1,000.00 - $4,999 0.25% APY
$5,000.00 - $24,999.99 0.50% APY
$25,000.00 - $49,999.99 0.75% APY
$50,000.00+ 1.25% APY
Last checked on: 04-08-2020. 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 $0.00

* $2 monthly maintenance fee waived with a $200 balance and for eligible employer groups

HSA Investment Options

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

Mutual Fund Details

Investment Threshold: $2,000
Investment Fee: $5 / Month. If your HSA Checking account balance falls below $2,000 at any time during the month an additional fee of $5 will be applied

If you’re a long term saver looking to grow your HSA for future health care costs, our HSA Investment Account may be for you. This account gives you the option to invest your excess HSA funds in mutual funds, giving you the potential for extra growth in your HSA.

  • Total control and flexibility to choose from a variety of mutual funds in various growth and income categories
  • An easy to use investment website
  • An asset allocation tool to assist with fund selection
  • There are no limits to the amount of transfers made to your HSA investment account. However, standard HSA contribution limits apply to your HSA checking account.

Contact Information

General Information

Address 900 East Paris Ave SE
Grand Rapids, MI 49546

Customer Service

Phone Number 800-968-1990
Email Address [email protected]