Interest is generally defined as revenue to you for the use of your money. Dividends are generally the distribution of property (profits) from a corporation.
When Betterment says, "The earnings of the investments in 2020 were $779.73", I don't know what they are referring to: interest, dividends, capital gains, asset growth?
I recommend that you contact Betterment and ask them to quantify your results as "interest", "dividends", and "capital gain/loss", and not as nebulous terms like "earnings".
If they ask why, tell them that even though this is an HSA account, you have to treat it as a regular investment account for California purposes. If the rep you are talking to doesn't understand, ask to speak to someone who deals with customers in California and New Jersey (the other state that does not conform with the federal law on HSAs).
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