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Register for online access

After you register, sign in any time to choose online or mail delivery of important documents, deposit funds, check your balance, capture receipts and pay bills online.

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Start making contributions

Consider setting up automatic deductions from your paycheck, if your employer offers that option. You can also make contributions by signing in to your account and setting up a one-time or recurring transfer from another bank account.

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Designate a beneficiary

Make it clear who should receive the money in your account, in the event of your death, by signing in and completing the beneficiary designation form available within your profile.

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Activate your debit card

Using your Optum Bank® Health Savings Account Debit Mastercard® is a convenient way to reimburse yourself or pay for qualified medical expenses at the time of service or purchase. 

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Download the mobile app

Visit the App Store or Google Play.

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Review your account’s fee schedule

Your welcome kit will contain this and other important information. Be sure to retain your kit for future reference.

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Learn about qualified medical expenses

Find out which medical expenses are qualified for tax advantages so you don’t accidentally use your account for nonqualified expenses and have to pay taxes and IRS penalties on the distributions. Be sure to save all your receipts, too. 

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