My only point regarding Vanguard was if you were planning on using it as investment savings, rather than drawing it out during the year. They tend to be the lowest cost brokerage. All HSA accounts are set up pretty much the same, where they have checking account for moving money, and an investment account or money market for earning and compounding. You don’t have to use it each year, like you do with an FSA. My account with HSA Administrators has an ATM card for using at point of service. We do it all online and it is linked to our local bank account for easy transfers. It’s up to you. I am sure your local bank would be happy to hold your money.
Jan 