Originally Posted by
tennisguru
I do the exact same thing. For anyone who might not know, the bummer is Optum is now charging the $20 transfer free. If you leave less than $20 in the account with the transfer it will be denied. So you need to leave at least $21 in for it to go through. The good news is it is very easy to make that $20 back with the multitude of better investment options at Fidelity.
There is a way around it but the caveat is you can only do it once a year. It's called the 60 day rollover. You can withdraw from Optum to your personal checking account then once the funds settle you can transfer from your personal account to Fidelity HSA. I did it this year after a month of waiting for Optum to transfer my money.
Don't take my word for it. Research HSA 60 Day Rollover