My wife has a HDHP at the school she works at. She has an HSA account at our local bank. There are no investment options in the bank. Would she be able to open up an HSA account with Vanguard and simply ACH the money into it each month from the HSA at the bank? Is there anything wrong with having 2 HSA accounts as long as the total doesn’t go above $3500? As long as I’m able to treat those as transfers instead of contributions I would think it would be fine.