Flexible Benefit Plans

Benefit options to reduce the cost of health care for both you and your employees

Choose the flexible benefit plans that work for your business

Health Savings Account

  • Funded by employer and/or employee
  • Must be linked to a qualified high-deductible health plan
  • Account is portable if employee changes jobs or retires 
  • Funds can accumulate over time and don't have to be spent by year end 
  • Savings earn interest 
  • Easy to use with an HSA debit card

Flexible Spending Account

  • Fully funded by employee
  • Account isn't portable if employee changes jobs or retires
  • $500 carryover available
  • Easy to use with an FSA debit card

Health Reimbursement Arrangement

  • Funded by employer
  • May be offered with a high-deductible health plan or alone
  • Account isn't portable if employee changes jobs or retires
  • Balances roll over at year end
  • Balances don't earn interest

COBRA Administration

  • Day-to-day benefits management
  • Customer support for beneficiaries
  • Protection against compliance penalties
  • Control of administrative costs

Use our knowledge to your advantage

Take advantage of our financial knowledge and expertise to build your strategy for success now and in the future.

Related services


Help reduce financial stress among your employees with easy-to-follow online tutorials and a benefit-rich banking package.

Retirement Solutions

From 401(k) accounts to IRAs, we have comprehensive retirement solutions for your employees.

Branch Banking and Trust Company, Member FDIC.