Then, I assume your HSA bank did a rollover to a new HSA with them. Presumably your employer-sponsored HSA had lower fees or did not charge a monthly fee, so the HSA bank rolled you over into a private-owner HSA that charged a monthly maintenance fee. I'm not sure it was legal to do this without your permission, or at least giving you warning. Did they?
Not that we ever saw. When I went to the doctor earlier this year, the HSA card was being declined. When I called the next day, they said that the account was closed and was being moved into a private account and we would be receiving cards soon. They mentioned we should have received a letter informing us of this... It arrived about a week after the cards were turned off. And you're correct, the new account does have a monthly maintenance fee that they told us about on the same day we received the letter about the excess contributions (different letters).
