Avoid HSA Bank! It will rip you off.
This bank is highly unethical. Specifically, once your account drops below $5,000, they start charging you $2.50/mo. You'll never know that they're doing that, unless you check your account, online.
Think about that, before you compare their action to a "normal" bank account: You started this account long ago, when you had a high deductible, medical insurance policy. You were, rightfully so, taking a step to safeguard an amount of money that you felt would cover your medical expenses as you aged. Now, in your later years, your account is dwindling down, if you're paying off medical expenses with it. At some point, your account MUST drop below $5,000, if you're using it, and you cannot, legally, put more money into it, and take what you put in off your tax return, if you've got Medicare. HSA Bank knows that, and just sits by waiting to start helping itself to your $30/yr. for its bogus service charge!
I found out about the above, yesterday, and I found a totally free HSA account provider within an hour of my doing so. My account is being rolled over. My account at HSA Bank will be closed.
FWIW, HSA Bank pulled another fast one on me, some years back. They started an interest bearing account option without letting me know. I found out about it, on my own, and converted my HSA Bank account to their interest bearing account. Oh boy, I got about .30/mo. with their great rate. LOL!
Avoid HSA Bank!