Banks and fund firms are hoping to capitalize from fees for the opening and maintenance of health-savings accounts (HSAs), The New York Times reports. According to the Times, the financial industry may strike a gold mine if they can turn the medical savings accounts into the vehicles as successful as the individual retirement accounts three decades ago. The Times, suggesting President Bush's State of the Union message this week will give such individual-managed accounts a push, notes that while two years ago no major bank offered HSAs, more than 300 financial services companies do so now. Typically, banks would charge $50 to $75 to open an HSA and about $40 a year to maintain it.