Last month, my girlfriend got a new job with good health insurance and an FSA account. She has an HSA account from her previous job and the custodian is dinging her with monthly fees because she's below their minimum balance to waive the fees. We'd like to get away from these fees, but I'm having a hard time understanding what the rules are. So I have a few questions:
Can she open an HSA account with another bank and transfer her funds there? I'm a bit confused on this, because the rules say she can't open an HSA because she has an FSA (and no HDHP), but since she already has an HSA it seems she ought to be able to transfer it to another bank. We'd like to move this money to a bank which will allow the money to be invested in a mutual fund.
She was working at her old job for most of the year, and made some contributions to her HSA but I don't believe she is near the limit. Can she make an additional contribution to her HSA to reach the limit before year end, even though she now has an FSA?