@milesdividend - Your first post was ambiguous. I read it as you were just saying a HSA savings account at a bank. I didn't read it as a name of a business, HSA Bank with an applicable link. If you take the $4,925 minus the $1,500 I have in the cash part of my account and invest the difference ($3,425) in a S & P INDEX you make about $274 a year if you earn 8%. I rather be under the minimum $4,925 and earn more than enough to cover the $36 fees every year. The reason I keep that money in cash is because I'm required to keep a minimum of $1,000 if I want to invest. I keep a little bit more in there to cover the fees in the future.