Translation: we fired the guy that empties the trash, it’s your job now.

Probably don’t do that second one. That is technically fraud. What you could do is, if you’re bank or CC company have the service, use a virtual card number to sign up for the service and delete it when you want to leave.

That baggage still exists even if you leave out one of the letters.

You can always just transfer it yourself. Withdraw it from a physical location (assuming there is one) for that bank and deposit it in your own hsa account.