Optum Bank Reviews

Optum Bank Reviews

Published by on 2021-06-28

Make managing and paying for eligible health care expenses easier with the Optum
Bank® app. Designed to provide users with access to their Optum Bank accounts,
the app gives account holders the tools they need, from quick account
snapshots to detailed account history.



Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue


Optum Bank Reviews


  • By

    Good app, but needs improvement

    This is a pretty decent app, and better than many out there for larger financial institutions. However, it still has room for improvement. My main issue with the app is the ability to upload receipts via iphone/ipad, which can be cumbersome. The app limits you to uploading receipts from your camera or your photo library (no pdf's-unless you screenshot them and then upload the screenshot, or unless you uplod them via the regular desktop website). The other issue with this functionality is the fact that when you are creating an entry and need to upload multiple documents for a qualifed expense - say for example a receipt and visit summary as support for the expense- it does allow you to upload mutiple pages per entry, but when these are displayed in the receipts gallery, they will show as two separate thumbnails/entries. This is frustrating because soon your receipt gallery gets cluttered with so many thumbnails. Please fix these two issues, and will definitely give it a higher rating. Allow uploading of PDF's and other documents via the share sheet functionality or the Files app on iphone/ipad-do not limit this option to only photos Allow multiple pages to be stored under one entry/thumbnail in the receipt gallery (if I have a receipt, a visit summary, and a prescription from a doctors appointment and I want to upload them to have support for my qualified expense, I do not want to see three different thumbnails in the receipt gallery)





  • By

    App and desktop won’t transfer funds to investment acct

    Ever since I set up my account, I click “transfer funds” to try to move funds from my HSA to the investment accounts Optum offers. Several radio buttons appear under “Transfer” with only the first button “use HSA to purchase funds” being highlighted. Neither the app or the desktop version allows me to choose any other radio button and get a confirmation color change, but there are changes that occur to the page with each attempt to click other radio buttons. I scroll down and enter the amount to transfer which is confirmed by the dollar amount turning green. However, when I click the transfer button, a red box appears stating I have to “select an option”. It will not allow any other radio buttons or anything to be clicked on. The other buttons don’t work so there are no options. Therefore no money can be transferred. I called customer support who sent me to IT support. IT support told me not to use the app bc it doesn’t work right. The desktop does the same thing....got no response. Called again and the recording stated “if you’re calling from a rotary phone...”. Maybe that’s the problem. Optum is worried about rotary phones when they need to worry about online banking web design. Seems like they’re way behind the times. Looking to get out of this ASAP. I heard there’s a music device called an 8-track player Optum. Maybe you’ll be the first one on your block?


  • By

    Investment Account Transfer Not Working

    I am unable to submit transfers of funds from my HSA account into my HSA investment account. The error is on the “Transfer Funds” page. I am not able to select any of the “Frequency” options. I click on one of them and it gives me the “Transfer Amount” box but I can not select “Continue” it gives me the error “Select one of these options”.... This same error happens on OSX Safari, and Google Chrome sometimes. The other times Chrome just doesn’t even load the account login pages. It’s 2019 please update compatibility to Google Chrome and Safari both desktop and mobile versions please. I just called customer support to submit this error and was told that Microsoft Edge browser was the only one that is supported 100%. This makes it tough to conduct business when I only have a PC at home and I’m out of town for work or not at the house.


  • By

    Archaic technology, glitchy and very frustrating

    I have used this app to manage my FSA funds and the experience has been super frustrating. This is unacceptable considering that I am relying on this company to access funds for medical necessities. I have had to submit receipts multiple times because the app and website continue to show claims as missing my receipts. The camera is difficult to use because it has an automatic crop function that crops out important information unless you disable it. Also, the information on the app does not match their website information. Very frustrating. There should be fines for this kind of incompetence on the part of app developers, especially considering that some people depend on these funds for timley medical care!


  • By

    Great concept if it worked

    This app is horribly unreliable. Just updated five days ago and it still doesn’t work properly. The navigation is clunky and not at all intuitive. It gives you no option to make contact with the organization. It gives you an error messages constantly. Very, very disappointed in this application. The real problem is that we have deadlines to submit receipts, and this app should be the preferred way to do that. But so far out of the five times I’ve tried to use it, it’s only been functioning one of them. And even then it was impossible to see a confirmation that it had actually accepted the receipt. This needs to be addressed because this is a huge hassle to the clients of Optum’s Flex spending programs.


  • By

    Useful, when it works

    The design of the app is really nice. I like seeing my account balance. And I love being able to request payment right from my iPhone. Although I’ve had trouble selecting the repayment option. My default repayment is via direct deposit, but the app switches to paper check. When I try to change it, the app screen goes white and freezes. When I reopen the app it asks for my password and I’m starting over. So I can’t accomplish my task and end up having to go on a computer instead. Also, the option to add receipts is handy but the functionality is limited, with no way to upload PDFs. When I’m viewing a PDF there could be a share extension/option to send to this app.


  • By

    App can't transfer funds to invest, but neither can website

    I have tried at least fifty times to transfer funds from HSA cash to investments. App radio buttons don't work. So I tried the website and they don't work there either. Support said to enable cookies. I guess their app is not an app, just a mobile website interface since a true app does not use cookies. I tried Chrome, Safari, etc. Cookies are enabled. No go. I finally gave up and rebalanced my portfolio to one fund so the other funds would quit losing money. Optum, this is a sad fail. Update: apparently Optum has fixed these issues but it was too late for me - I had already closed my account. I recommend the Lively app instead.





  • By

    Great App, some login and Touch/Face ID options would be nice.

    Very useful, easy to use app that is essentially a pointer to mobile website content. The quick access to balances and receipt logging is very handy to have right on the phone. My only criticism is while the app does have Touch (and I assume Face) ID enabled by default there is no prompt like other banking apps have to enable such feature. This means the user has to always remember to log out if they want to renter a password each time they open the app.


  • By

    Have yet to find the value in this app

    I can download receipts to the app which is awesome...but it’s not attached to my account so it’s pretty much a worthless feature. I have a camera on my phone and can download pictures to an email just as easily from there. I can’t send receipts in the app or attach them to my unverified purchases...which is, by the way, all of them because even though my doctors are all in a multi-disciplinary clinic with over 100 locations in my community, you don’t recognize them as a health care provider. Come On! I know that you can provide better customer service than this.


  • By

    Glitchy again

    Tried to input my name as patient but there were no options for patients. Just a blank screen that said “done”. I had to cancel and go back two pages then do it all again. Finally let me select the family member who received treatment. This app has been clunky since the beginning. I stopped using it and only used the website for awhile. I started using the app again last year as it seemed that the bugs had been worked out. This update is a step backwards


  • By

    We apologize for any inconvenience

    I hate this phrase. I’ve seen it too many times. Attaching a rcpt to a claim should be easy but there are no clear directions. I figured it out by doing it wrong 1st. I am finding this FSA account and app more frustrating than ever. In part that I now must submit rcpts for every transaction, which I didn’t know at the beginning. I didn’t have to with the plan we had the yr before but it was a different company. I mean really, it’s an imaging center & a Dentist office - is it that hard to figure that it is a medical claim & I’m not buying bubble gum with it. 🙄


  • By

    Does not work 99.9% of the time..

    Does not work 99.9% of the time from login. I’ve had this app and have uninstalled and reinstalled several times and that has not improved the errors. I did, however, a month or so ago receive a message on the app to uninstall and reinstall due to updates and it worked a few times after that but hasn’t since. “Error: there was a login error.” This error persistently is received upon login after spinning for several mins. Please review and fix. When it works, it works!!


  • By

    Couldn’t get to work

    I love the idea. I loaded it but couldn’t get it to launch in a week of trying. Today the sign in screen finally loaded but it would not recognize my log in and password. I can’t imagine I need a separate registration for the phone vs a PC so I finally gave up and deleted the app. Maybe some updates will get it working better and I’ll try again.


  • By

    Needs one adjustment

    I absolutely love this app!! It’s so helpful for keeping track of my medical expenses. Plus I can’t pay my doctors straight through the app! I do wish when you paid something or at least made a payment it would show that somehow. I’m currently having to completely delete entries and redo them when a new bill comes in. Or am I doing it wrong?????


  • By

    Decent app but a few features don’t work

    When going through the investment menu section, none of the page back and forward buttons work in the the top right corner. Also, if you try to enroll in the investment section, the required agreement check boxes don’t work. It is unfortunate that in under 5 minutes playing with the app I came across 2 navigation issues.



A better way to Contact apps


You can now contact Optum Bank customer service directly
via Email using our new site - AppContacter.com

Contact Optum Bank directly


Is Optum Bank Safe?

Yes. Optum Bank is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 22,689 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.7/5 . Justuseapp Safety Score for Optum Bank Is 21.9/100.


Is Optum Bank Legit?

Yes. Optum Bank is legit, but not 100% legit to us. This conclusion was arrived at by running over 22,689 Optum Bank User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Optum Bank Is 21.9/100.


Is Optum Bank not working?

Optum Bank works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.




Have a Problem with Optum Bank? Report Issue

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Why should I report an Issue with Optum Bank?

  1. Pulling issues faced by users like you is a good way to draw attention of Optum Bank to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Optum Bank customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Optum Bank.


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