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Our Mission

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As the market leader in HSAs, Optum Bank (FDIC) currently services over 3 million accounts and $9 billion in assets under management.* 

We work closely with our customers to expand access to care, reduce the costs of health care administration and engage individuals in better management of their health.

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Health savings and spending accounts

Optum Bank brings financial services expertise to every point in the health care system, offering a variety of setup options, streamlined implementation and administration across carriers, and analytics to drive engagement and healthy populations. 

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About FDIC membership

Optum Bank is a member of the Federal Deposit Insurance Corporation (FDIC) in order to keep the funds in your HSA deposit account safe. That means the FDIC will cover the funds in your deposit account up to $250,000 in the unlikely event Optum Bank goes out of business. 

The insurance premiums companies like Optum Bank pay are used to cover consumers' deposits when a bank fails. The FDIC is an independent agency Congress created to help maintain stability and public confidence in the nation's financial system.

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our locations


Over 150 Optum locations around the world. Optum Bank is a virtual bank that is based out of Salt Lake City Utah. We do not have any cash on premise locations.

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11000 Optum Circle, Eden Prairie, MN 55344

Offices and facilities

  • Basking Ridge, NJ
  • Colorado Springs, CO
  • Denver, CO
  • Duluth, GA
  • Eden Prairie, MN
  • Minneapolis, MN
  • Lenexa, KS
  • Overland Park, KS
  • Louisville, KY
  • Milwaukee, WI
  • Providence, RI
  • Reston, VA
  • Rocky Hill, CT
  • Salt Lake City, UT
  • San Francisco, CA

Optum also maintains operations across North America, South America, Europe, Asia Pacific and the Middle East.


*2017 Mid-Year Devenir HSA Market Statistics and Trends