Columbus Bank and Trust Company
Quick Summary
- HSA savings account
The Verdict
Columbus Bank and Trust Company provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Columbus Bank and Trust Company is a locally owned, home town bank that originally opened its doors on February 2, 1935 and has remained in local ownership for over 80 years. The original owners were R.V. Prokop, J.H. Moeller, and W.E. Barkley. The Bradley Family took ownership in 1938 and retained ownership until July of 2013 when a local group of investors purchased the bank appointing Jeff Johnson as President and Chairman of the Board.
The Bank has grown substantially in many ways over the past few years. In 2004, our branch bank on East Highway 30 was added, and since then several renovations to the main bank building have occurred. Through this growth we have never lost focus of our customers and the community we serve. Our staff is very active in many civic, church and other local organizations, giving of themselves to keep our community strong.
Throughout the years Columbus Bank and Trust Company has remained “Customer Focused, Community Minded and LOCALLY Owned.”
Key Features
Banking & Access
Includes debit card and check-writing.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. $50.00 opening fee.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $50.00 | $1.88 | ABOVE AVG |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Columbus Bank and Trust Company currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $10,000 | 1.00% |
| $10,000 - $25,000 | 1.15% |
| $25,000+ | 1.31% |
Last updated: 06-24-2025
Contact Information
Address
2501 13th St Columbus, NE 68601 Customer Service Mailing Address PO Box 98 Columbus, NE 68602-0098
Customer Service
800-343-2282
2501 13th St Columbus, NE 68601 Customer Service Mailing Address PO Box 98 Columbus, NE 68602-0098
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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