Lively
Quick Summary
- Fastest-growing top-10 HSA provider
- Zero fees for individuals
- Schwab brokerage access
- Modern user interface
The Verdict
Lively stands out as a strong option with zero monthly maintenance fees and self-directed brokerage access, mutual fund investing, earning a 4.5/5.0 rating from HSA Orbit.
Lively is a modern Health Savings Account (HSA) platform for employers and individuals. Lively’s user-centric solution creates an intuitive user experience allowing consumers to get the most out of their HSA. This includes easy sign-up, payroll syncing, paperless account management, and transparent pricing. Lively HSAs works alongside HSA compatible health insurance plans to make healthcare easier for everyone. Lively was started to help consumers optimize their healthcare spending, maximize their savings, and better their livelihood.
Key Features
Banking & Access
Includes debit card and online banking.
Investment Options
Offers self-directed brokerage and mutual fund investing.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance* | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
* No monthly fee for individuals; $4/employee/month for employers
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Brokerage Access
Lively provides a self-directed brokerage window for investing your HSA funds in the broader market.
Mutual Fund Investing
Access mutual fund investments through your HSA with Lively.
- Minimum ThresholdNo minimum
- FeesSchwab HSBA: $24/year or free with $3K+ cash. Devenir Guided: 0.50% annual fee.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $2,501 | 0.02% |
| $2,501 - $5,001 | 0.03% |
| $5,001 - $7,501 | 0.06% |
| $7,501 - $10,001 | 0.09% |
| $0 - $2,501 | 0.15% |
| $2,501 - $5,001 | 0.23% |
| $5,001 - $7,501 | 0.50% |
| $7,501 - $10,001 | 0.70% |
| $10,001+ | 0.12% |
| $10,001+ | 1.06% |
Last updated: 12-31-2025
Contact Information
Website
https://livelyme.com/Address
588 Sutter Street, #214, San Francisco, CA 94102
Customer Service
1 (888) 576-4837, ext 2
588 Sutter Street, #214 San Francisco, CA 94102 Customer Service Mailing Address 950 Mason St. #1355 San Francisco, CA 94108
Sales Contact
1 (888) 576-4837
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •Self-directed brokerage access
- •Invest from the first dollar
User Sentiment
Based on community feedback
Sentiment data coming soon
Compare with Related Providers
Fidelity Investments
At Fidelity, we create better futures and seek to deliver better outcomes for the customers and businesses we serve by constantly innovating and challenging the status quo in order to deliver more value to our customers. That's why we have an obsession with anticipating and delivering what our customers want. Throughout our history, we've dedicated nimble, passionate, empowered teams in solving some of our customers' biggest challenges. It is our employees who make the difference, and investing in them means we offer them the opportunity to do something important—something that allows them to thrive both inside and outside of work. It is our customer obsession, drive to think differently, and commitment to our people, communities, and business that has allowed Fidelity to grow from a small mutual fund company, to one of the largest and most diversified financial services firm in the word.
Read Review →First American Bank
First American Bank in Illinois, Wisconsin and Florida offers valuable personal and business banking solutions including checking accounts, savings accounts, mortgages, commercial loans and much more. Bank online, with our mobile app or visit one of our conveniently located branches today.
Read Review →Associated Bank
At Associated Bank, we take great pride in serving the people, businesses, and communities of the Midwest and beyond. Since establishing our HSA business line in 2003, we have built a high-performing, customer-focused team of professionals. Every time you call, you’ll speak with a fully licensed professional dedicated solely to servicing HSA and other health benefit accounts. With a long list of benefits for both employers and participants, we continue to prove our commitment to providing great local customer service and offering excellent, affordable benefit accounts.
Read Review →Latest HSA Strategies
View all articlesI Double-Counted My Payroll HSA Contribution — How to Amend
Discover how to fix a double-counted HSA deduction on your tax return using Form 1040-X, with step-by-step amendment instructions.
Form 5329 and the 6% Excise Tax: When It Applies for HSAs
Learn when the 6% excise tax applies to excess HSA contributions, how to calculate it on Form 5329, and how to stop it from recurring.