Health Savings Accounts are a nice way to handle medical expenses. Under the law that set them up, any bank can offer you a health savings account; it doesn’t have to be local or even in your state. As a personal finance writer, I set up my own HSA shortly after they were available. And, in the spirit of the exercise, I went for the highest-rated account I could find. Even though I live in Virginia, that bank is in Wisconsin: Capitol Bank, located in Madison. The account and the service have been superb from day one. They are genuinely nice folks dedicated to serving their customers. I would just say to the good people of Madison, Wisconsin: You are lucky to have this bank in your community.