Benefit Wallet HSA Mellon Bank My Benefit Wallet charges fees then bounces checks so they can charge you more fees.

DO NOT do business with Benefit wallet HSA Mellon Bank. I had contributed money toward a health savings account through my company. I guess i missed the memo because my company discontinued using benefit wallet and the monthly fee was now the employees responsibility. When i realized i was paying 3.25/mo for them to hold my $213 for me I decided to close the account by "reimbuising myself" as is one of the options on their site.  I issued myself a check for the balance in my account and the next day they charged me the additional 3.25 which caused the check to bounce. They then charged me a $25 fee for bouncing a check.  

I started the year with $213 (this was MY OWN money)  i paid $39 in fees over 12 months + 25 overdraft feee bringing my balance to 146 (that's 30% of what i put into the account) how can this be legal?

I spoke to three people (who were all clearly reading from a script) and they refused to reimbuse my $25. I was told there are 3 ways to close your account two of which require a $25 fee and the 3rd which is what i had attempted to do:  transfer the money then close the account. apparently you have to also factor in that they will continue charging you until the check actually clears (and likely bounce your own check) so no matter what you will be giving them $25 to get your own money back.

So if you'd like to let someone hold some money for you, charge you to hold it then charge you to get it back, this is the "benefit" for you.

(By the way my bank also charged me a fee for bouncing a the check but but they reverse the fee.)