If you have an Optum Bank HSA for 2025, you should have received a debit card that says “Health Savings Account Card” on it. You can begin using this card to pay for eligible expenses once there is money in your account (e.g., from your 2025 employee contributions or the 2025 employer HSA contribution.)

If you enrolled in the Health Care FSA and/or the Dependent Care FSA, you should have received your FSA “payment card” from Optum Bank. If you enrolled in both the Health Care FSA and Dependent Care FSA, you can use the card for both eligible health care and dependent care expenses.

To request a copy of your tax forms, please contact UMB General HSA Inquiries at 1-866-520-4472, Monday through Friday 7 a.m.-7:30 p.m. CT and on Saturdays from 8 a.m.- 5 p.m. CT.

To obtain copies of your 2024 IRS Form 1099-SA and IRS Form 5498-SA sign into to your account online and click on the "Statements and Docs" section. If you need help getting started, you can visit our HSA tax center for more information.

Please note: tax forms are not available via the Optum Bank mobile app.

HealthSafe ID is our leading technology that strengthens website authentication protocols and enhances the security of your account by adding dual-factor authentication, so it remains safe and secure. 

If you have UnitedHealthcare medical insurance, you probably already have a HealthSafe ID.  If you’re unsure whether you have a HealthSafe ID, start the registration form to confirm if your information is already connected to a HealthSafe ID. You may also recover your username or password if you forgot.

Follow these easy steps to create a HealthSafe ID if you don’t yet have one (it takes less than five minutes): 

• Click here to visit the HealthSafe website, a certified URL wholly owned and operated by Optum.
• To keep your account secur provide your name, birthdate, ZIP code, phone number, last four digits on debit, confirm your email and your phone number.
• "Sign in" with your new username and password each time you return.

Mastercard’s ID Theft Services

You are automatically enrolled in ID Theft Resolution Service for your Optum Bank debit Mastercard^®. This service includes: 

• 24/7 access to certified resolution specialists
  • Watching for stolen personal information and confidential data online
  • Help canceling all lost cards and notifying all three major credit reporting agencies

Yes, Optum Bank does have a mobile app.  Sign in using fingerprint recognition or your password to capture receipts, pay bills, search for qualified medical expenses and more. Click here to download the app.

You can also visit the App Store if you have an Apple mobile device, or get it on Google Play if you have a Samsung or Android mobile device to download the app. 

Yes, when you call the contact center and speak to a customer service representative, they will utilize translation services through the AT&T Language Line to support any language of your preference.

Yes. It's easy to check whether or not you have designated beneficiaries. If you need to add or update the ones you have already listed, follow the steps below.

• Sign in to your account. 
• Select "Manage beneficiaries" from the “I want to…” section.
• Select "+ Add a new beneficiary" (you’ll need the date of birth and Social Security Number for the individual(s) you’re adding).
• Complete the online form and then select "Submit."

Follow the instructions on the card sticker when you first get your card(s). You will need to enter your card number, CVV code and the last four (4) digits of your Social Security Number to activate your card. You can get a PIN by calling customer service if you did not obtain one when activating your card.