Home › Invest › HSA providers › Fidelity HSA vs HSA Bank
Both are HSAs you can open or move to. Here's how Fidelity HSA and HSA Bank compare on fees and investing.
| Fidelity HSA | HSA Bank | |
|---|---|---|
| Account fee | No account fees (retail HSA) | No monthly fees (per HSA Bank) |
| Investment fees | None for self-directed; Fidelity Go managed option 0.35%/yr at $25,000+ | 0.10% (Choice), 0.25% (Select) or 0.35% (Managed) per year, billed quarterly; waived for a quarter with a $7,500+ average cash balance |
| Investment options | Stocks, ETFs, mutual funds (self-directed) or managed | Self-directed, curated funds, or managed |
| Minimum to invest | No minimum (self-directed) | not found |
Sources: Fidelity HSA page (checked 2026-10-12) · HSA Bank page (checked 2026-10-12)
Account fee: Fidelity HSA No account fees (retail HSA), HSA Bank No monthly fees (per HSA Bank); Investment fees: Fidelity HSA None for self-directed; Fidelity Go managed option 0.35%/yr at $25,000+, HSA Bank 0.10% (Choice), 0.25% (Select) or 0.35% (Managed) per year, billed quarterly; waived for a quarter with a $7,500+ average cash balance; Investment options: Fidelity HSA Stocks, ETFs, mutual funds (self-directed) or managed, HSA Bank Self-directed, curated funds, or managed; Minimum to invest: Fidelity HSA No minimum (self-directed), HSA Bank not found.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.