Hello. I work for small company.. benefits are not very good but I guess it's better then nothing.. I decided to go with the HSA with my employer, because it would be a waste of money paying monthly medial insurance when I probably would not use it. The company will make a small deposit every month ($72) I think I'm going to sign up with my current bank out of convenience. Bank of America currently has a $4.50 monthly fee and 1.5% interest rate. I am wondering how that compares to other companies. If I lose my job or move companies with better benefits.. or for some reason decide to cancel my HSA account? What kind of penalties should I expect? Do I just get taxed for the money that was deposited into it? Thanks.