### Comment:
My employer has a company that manages it for us. It’s convenient b/c they give you a debit card and always ready to use but the interest/return rate is dogshit. It goes by tiers and the top tier (10k+) only nets 0.4% interest which is a joke.  Hell, an Ally account would beat that 10x over. Do you know if you can open an etrade account (or similar) for an HSA? I want to see what my options are.

### REPLY:
Ours partners with TD Ameritrade to allow you to invest. If I leave it in their group (hsa bank) which also does the debit card thing, it gets similar rates to what you're talking about. 
  
 It's worth calling, you can put the funds wherever you want.

### END.