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About Optum Bank

At Optum Bank, member FDIC, we’re entirely dedicated to improving people’s well-being and are passionate about the relationship between health and finances.

We are the leader in health accounts and payment solutions and leverage our digital platforms, advanced analytics, and proprietary technology to help people and organizations better manage health care expenses. 

Because when we understand the relationship between finance and health, we can all reach our full potential.

Optum Bank is advancing the way we save and pay for care, connecting the worlds of health and finance in unprecedented ways. Optum Bank is the #1 provider of health savings accounts*, managing over 5.6 million member accounts and $12 billion in assets.

At Optum Bank, we’re modernizing how to save and pay for health care. With the power of Optum behind us, we design solutions to strengthen this connection for employers, health organizations and the people they serve in a way others cannot. 

  • Health accounts: We are the #1 health savings account (HSA) provider in the country, providing millions of people with the ability to save and plan for health expenses. 
  • Payment Solutions: Our Payment Solutions make the process of paying for care easy, affordable and seamless, so people and organizations can dedicate more resources to things that matter. 
  • Expertise: We are experienced health and finance professionals and a leader in the use of digital platforms, advanced analytics and technology. We create efficiencies and encourage people to actively participate in their health. 

An understanding of health is incomplete without an understanding of the financial implications that go along with it. By advancing how we pay for care, we can pave the way to health care that’s more affordable, accessible and transparent for everyone.


*2019 Year-end Devenir HSA Research Report, March 2020.

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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. 

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Optum Bank started operating on July 21, 2003, in Salt Lake City, Utah, as a Utah state-chartered industrial loan corporation. Originally named Exante Bank, it changed its name to OptumHealth Bank in 2008 and to Optum Bank in 2012.

Optum Bank is part of the financial services unit of Optum, a health and wellness company serving more than 115 million people. Optum is part of the UnitedHealth Group (NYSE:UNH) family of companies.

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Community reinvestment

Optum Bank employees contribute hundreds of community service hours annually. They teach financial literacy to low- and moderate-income students, serve on boards of non-profit agencies, and enthusiastically support various health care causes.

In addition, Optum Bank has invested more than $46 million in support of low- and moderate-income housing development and other community needs.

The bank meets or exceeds all of its requirements under the federal Community Reinvestment Act.