<prompt> Human: At a prior job I had an HDHP that came with an HSA. I worked there several years, and between my own contributions and employer contributions, built up a good balance in the HSA.Subseuqntly I took different jobs, and as the new jobs had different insurance, and an FSA, the money I have in the HSA has largely sat idle.Since FSA is use it or lose it, I have only pulled from the HSA when my FSA is depleted. Currently I have 968 in the HSA. I recently realized that the bank is charging me a fee of 2.50 every month, because I am below their minimum balance to not have fees. While that is not a huge amount, it is chewing through money I earned and saved, fair and square. Is there anything I can do with this money to keep it from getting chewed up by expenses? Can I withdraw or transfer this to any other kind of account without big tax penalties? Are there any other banks that have HSAs I could transfer to that have better fees? They are gonna charge me 25 to close the account too bastardsCurrently my medical expenses are not high enough to need 3500 in one year. Its too late to reduce my FSA for this year, but I suppose I could do so next year, and spend down the HSA instead. Is that my only option?  <response>: Roll the funds over to an HSA with a new custodian that does not charge fees. You can do this once a year. 