optumbank.com Reviews 76

Cancelled my funded HSA debit card without any notice. The expiration date on my card clearly says 2027 but Optum decided to randomly cancel it without telling me. Optum is a very low quality choice for your HSA funds. Go elsewhere for better investment options and lower fees!!!

I have no clue how they receive business. I guess they undercut on the fees or something. Everything is absolutely horrible. System works like shit, the customer support is bad with people barely speaking english. Their portals look like they were made in 1999

Awful customer service. I misplaced my FSA debit card. Impossible to speak with a human representative that understands me. I have no access to my debit card number. They WILL NOT give me the number via a secure link. The only option is for them to mail it via USPS within 10 business days. ABSOLUTELY ABSURD. This is an archaic way to run a business with MY MONEY.

This bank has no fraud protection! There was fraudulent activity on my HSA card for over a year unbeknownst to me and they would only go back 60 days for credit. Total let down.

This is the absolute worst customer service on the planet do not under any circumstances.Waste your life with this financial institution.They are an abomination to any fiduciary institution on the planet.You would be better off taking your money.Putting it in a bonfire and smoking a chicken wing over it

Truly awful company.
They nickle and dim you and then when you try to repay them. Their online system can not handle adding a bank account or getting the bank verified. I was project managing trying to repay them. I do not recommend them as a company.

i've worked with too many representatives that say they will follow up with x team. and nothing happens after months, I feel like i'm project managing your representivites both online chat and phone calls. Its unacceptable how something as simple as adding a card to repay a service has taken since September despite numerous calls. One of your phone representatives refused for me to answer a survey about the company and refused to hung up and made me hung up first. he personally pretended he can take a survey himself on his own performance. everything i've experienced makes me think optum is so unprofessional as a company.

Customer service, if you can call it that, are abysmal. When you call they can't help, if you ask to transfer to a supervisor in the United States you wait 20 minutes then - just as you get through - they cut the call.

There is no email address or web based messaging system you can use to ask questions, so you're tied to this offshore "customer service" that is worse than appalling.

This has been ongoing for 3 months. I've been trying to roll my HSA over to my companies new Fidelity account. First off I had to liquidate all my investments. I've checked the boxes on each security to sell 100%, I've clicked the button which said "liquidate all funds", but each time I end up with a few dollars or a few cents in the fund - so they claim they can't roll over the account.

I've made a complaint to the SEC about the above as either their software in not in compliance or their finance staff are incapable of doing their job.

Basically, this firm are probably the worst finance company on the planet and should lose all their licenses for operating as they're breaking their fiduciary responsibilities left, right, and center.

FSA claim process is awful. The website constantly glitches. I have to submit claims multiple times before they show up. Customer service was totally clueless

Customer Services team has no connection with their back office operational staff. updates and status of pending transactions are non existent. When I asked to speak with a supervisor, customer services could not connect me, stating a supervisor would call back, I never received a call. Hard to understand how an organization can exist long term operating in this capacity.

I have been unable to access the funds in my optumbank account, and the experience has been extremely frustrating.
despite reaching out to customer support several time i did not receive any helpful assistance or resolution to the problem.
Because of this ongoing issue and the lack of effective support, I decided to close my account.

Sent a certified letter with the paperwork to close my account post office said it was delivered they say never got it uploaded it directly to there website a 2nd time never got it meanwhile my social security # was on the paperwork both times i had to freeze my credit and pay for monitoring service for a year this company has been nothing short of a nightmare please for your own health stay away.

I would give less than 1 star if I could. Always have to reattach documentation to my claim after documentation was already submitted with the claim. I usually have to call anywhere from 2-4x on ONE claim that had already been submitted WITH the documentation. I wish my employer would go with another business for FSA/HSA/DCA than Optum. Also, answers vary from customer service representative to customer service representative. Pretty much a nightmare company! I worried about the money I have in my HSA for future use. I do take screenshots of what I have in my HSA because I’m afraid that one day I will get on the site and the money will be gone.

I’ve been paying for HSA benefits since January we are now in March and I have no been able to use it at all. They sent the first card to the wrong address and second card does not work. They will give you a million different excuses when you call. This feels extremely illegal

Our HSA account started January 1, 2026. We were told we were not in the system. They hung up on us several times pretending they had tech problems. Phone call # 5 and they claimed they “found us” in the system but to “call back next week” so data entry could put us in the System. What?? Umm…Our money is there but we aren’t?? 7 weeks now and still no access to our Health savings account. Same issues as everyone else. We are Calling HR to hopefully stop any money being sent to these people. Definitely a scam! Hopefully Class action lawsuits will be in the future, and we see some of our money again.

Optum Financial sucks. They declined my card at an urgent care and said there was something wrong with the merchant transaction machine. That's total BS. Avoid doing business with Optum altogether. I won't be doing my FSA through them next year.

I had an issue with my HSA when I tried moving to a different HSA account. They straight up lied about two things:
1. Said that since my employer makes contributions to the HSA account that my employer "bypassed" my request to move my funds, which is why it was or was not declined. They could not verbally confirm what exactly was going on with my request. Kept said there was a "discrepancy." (To clarify your employer CANNOT mess with your HSA like that but customer service said they did)
2. The account supervisor I spoke with said she submitted a case for it to be reviewed and sent the case ticket information to my email address. She gave me the case number and she took down my email address. Nothing was ever sent.

I highly do not recommend using Optum Financial. I only use it cause of my employer but you will be losing money if you ever invest your HSA funds with them. Random fees and they take a cut of any money you make when you invest your funds.

Stay away from this company! They make it practically impossible to use your FSA card. Amazon will not accept it, and the will never accept documentation for medical visits. Always needs "additional information". Scam!
I've wasted many, many hours trying to resolve issues. Very few reps speak English well enough to be understood.

If devil was to take the form of a business and healthcare was not an option, it would be optum bank. They have been preventing my rollover request that I have already made twice in 3 months and now want me to submit a form for the third time. WHy? Because they cannot figure out how to handle few cents of interest in the account. Their solution is to stop rollover of funds entirely so that can continue keeping your funds hostage because of their outdated systems to earn that extra interest income and fees.

I am writing this review to warn others about the utter lack of support at Optum Bank. During the height of tax season, I found myself locked out of my account. This happens, but what followed was inexcusable.

Their automated password reset tool was down, so I called customer service. After waiting to speak to a human, I was informed that they had zero ability to help me manually reset my password. Their only solution? "Try again in a few hours. Or maybe tomorrow."

It is baffling that a financial institution does not have a manual override for a broken automated system. I am now blocked from accessing my essential tax information with no timeline for a fix. This level of technical incompetence and lack of agent empowerment is frightening for a bank. Take your business elsewhere.

Same thing everyone else is experiencing. Filed a claim including a receipt for my medical expense. They denied the claim. The claim has all the information required by the IRS. Avoid if you can if you like getting YOUR medical expense money. Make sure you only upload Explanation of benefits unless you like wasting your time.