Tips for keeping your debit card safe

Follow these simple tips to keep your Optum Bank HSA debit card safe.

  • Check your account balance and bank statement often to detect any discrepancies or fraudulent activity.
  • Make sure that we have updated contact information including your phone number and email address. We can't ask you about a suspicious charge unless we have your current phone number.
  • Contact us, 24 hours a day, if your card is lost or stolen. We will issue you a new card, free of charge, within 10 days.
  • Never write your Personal Identification Number (PIN) on your debit card, and keep the PIN and your card number separate and secure.
  • Copy the customer service phone number from the back of your debit card and keep it in a separate location from your purse or wallet.
  • Let us know your travel dates and destination. If your card gets swiped at an unusual location, we may decline the transaction unless we know you were traveling there.
  • Use your card at places that you trust, both online and offline.
  • If any ATM looks like it has been tampered with (loose parts, extra attachments, etc.) do not use the machine. It could be a “skimmer,” which is used to copy identifying information from the magnetic strip on the card.
  • Do not use machines that claim to clean, re-magnetize, or renew your card.
  • When keying in your PIN always shield the key pad.
  • Never allow a cashier, or anyone else, to enter your PIN for you, even if assisting you with a transaction.  
  • If you use your card at a gas pump to reimburse yourself for qualified medical expenses, do not use it with the PIN number and if possible go inside to get your card swiped.

Check your account often

The best protection against fraud is to log into your account frequently to check your account balance and recent transactions. Be sure to check your statement every month, too.
 Log in to your account now  

What happens when we suspect fraud

If we suspect fraudulent debit card use, you will be contacted by phone to validate your transactions.

  • A person or an automated call will ask you to verify recent transaction(s) on your card.
  • You may be asked for your ZIP code. You will NOT be asked for any personally identifying information, including your account or debit card number.
  • You will be directed immediately to someone who can help you if you didn't authorize the transaction(s).

It is important to complete the call. If you have any questions, you can contact us.

With your Optum Bank Health Savings Account Debit MasterCard®, you also have access to MasterCard’s ID Theft Services.


Optum Bank will never contact you by phone or e-mail to ask for personal information, such as your name, address, date of birth, Social Security number, PIN, account number, login ID or debit card number.

If you receive a phone call, text message or e-mail from us that you're unsure about, call us at the number of the back of your debit MasterCard.


You can reimburse yourself for qualified medical expenses using your HSA debit card in the ATM, as long as you have a personal identification number (PIN).
 Learn how to request or change your PIN