Optum Bank App Reviews

Doesn’t function for its primary purpose. Uploading and tracking receipts is not intuitive or simple at all. The flow is frustrating, the language is confusing, and I often get error messages just trying to load receipts. I also have claims rejected for very simple and straight forward submissions like a copay. The messages I receive in the app version are not consistent with the mail notices, and it’s unclear why the desktop version of my account isn’t consistent either. Overall, I don’t enjoy Optum as a service and it’s technology is frustrating

Viewing Receipts. Open app, go to Receipts, receipts are listed with most recent first (desirable). Add a new receipt. Go to Home, go view Receipts, receipts are now reverse sorted with the oldest first except for one just added. Cannot re-sort receipts unless I exit the app completely and reopen. But there’s more… if i now open a recent receipt to view or edit, once I close it to view the list of receipts, they’re reverse sorted again with the oldest first. Also during this process, the app crashes when going to Receipts. Can you check into this odd behavior?

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)

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!!

Works great and fairly easy to use. To get 5 stars I request the developers to fix an issue with investment balance —> performance results —> “use graph button” section. I am using an iPhone 12 Pro Max and the issue is that there is no graph button on that page. I am, as any other investor would be, interested in knowing how my individual investments are performing as well as overall investments. I can see the overall performance, but not individual performance. Other than that, the app works great.

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.

Continual loop to sign in. So incredibly frustrating that I type in my credentials AFTER using Face ID. Click on Remember me. That doesn’t work. Go to settings to try to save the option to logon with Face ID/ fingerprint. It’s gone. Several times I have used the correct credentials that worked the day before then breaks only to find out waiting for a couple days the same credentials work. No idea how you can have such a poor user experience that seems to be trying to keep me from logging in at multiple attempts. Terrible. Just terrible. You have to try to be this bad. Can’t be an accident.

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?????

I absolutely love the app. I have this app for my sons daycare. It’s so easy to use! So easy to submit claims! That’s what I love about it! And you get your funds pretty quickly in my opinion! Definitely wish to be able to continue to use the app as long as am able to!

Slow, Clunky, Buggy, Always broken. From one developer to another - we can do better. Ive been using this app for a couple years now. This app constantly has at least one major outage or bug going on. Lately, it's the investment part that is a hot mess. Sometimes the investment dashboard takes 4-8 mins to load - and that's on a brand new iPhone 13 Pro with a 200 Mbps down connection. It's one of the slowest and buggiest apps on my entire phone. I'll be moving funds out to another HSA soon. The only reason I put up with it now is for convenience of my employer's payroll processing directly to it. Beyond employer integrations, it is sub par and barebones in almost all other areas. Dissapointing. Employers probably only use it because it's cheap and part of UHC.

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!

Found old version more functional. While I’ve never been an overall fan of the Optum app design, and often find myself fumbling around to find functionality, the new version 2.0.0, 2.0.1 seem to be missing some functionality that existed previously in some of the 1.9.xx versions. In 2.0, when I go to reimburse myself for an expense, I don’t see the options to select who the service was for which was in the previous version. Perhaps the service recipient isn’t necessarily required, but it can be useful if you are looking through history. Also, if you submit a reimbursement without a receipt, there does not appear to be a way to associate the receipt with the reimbursement after the fact, in the old version you were able to go to Expense Journal and add or associate the receipt after the fact, where in the new version you can add a receipt, but not associate it with a reimbursement or payment record. Hopefully these were perhaps overlooked functionality in the redesign and get fixed/added shortly, but as of right now, I find myself missing the previous version.

Receipts no longer show!!. This app is absolutely horrible!! Optum Bank is conveniently asking for a March 2019 receipt almost a year later. But, go figure, the optum bank app that encouraged receipt upload will no longer show any of my receipts. The app just spins and looks like it is loading and nothing ever happens! So, now I’m going to have to call my medical provider to ask for another copy of the receipt that is already saved on the optum bank app. This issue needs to be fixed or you need to update the app to communicate with the website so we can view our receipts on the website. Also, why can’t you submit a receipt request on the app? It doesn’t make any sense to have an option to save your receipts to the app but then when optum bank asks for a receipt you can only submit this on the website. If the app allows you to save receipts then there should be the option to upload that receipt to optum bank in the app when requested. Instead we have to take a screen shot of the receipt from the app (assuming it ever loads-see complaint above), then email the receipt to myself to save to my computer to upload to the optum bank website.

Another dysfunctional finance app. It's bad enough getting a reimbursement approval from Optum in a reasonable timeframe but now we have to deal with an unreliable app with a very odd receipt upload interface. It's difficult to understand if you have uploaded an image or if you have attached it to your reimbursement request. Either way, the experience needs work. Optum needs better support to respond sooner. I have had a reimbursement for myself sitting in approval purgatory for three weeks now. Think about this for one second, I am asking to get my own money back and it's taking 3 weeks. you start to question the purpose of these FSAs. Who is accountable here?

Sign-in faulty, limited functionality. I’ve repeatedly tried to use my healthsafe Id to sign in and it only works on the website on desktop. I tried updating, re-downloading, etc. But it doesn’t work. Or works inconsistently. I also thought it would allow you to essentially use the FSA balance directly for approved products or manage reimbursements and I’ve been unable to do that. Pretty much as useful as a doc that lists your balance.

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.

Useful and nicely designed for HSA. I came here to review just because I appreciated the non-invasiveness of their rating prompt so much. The app asked me if I enjoy it and when I answered “yes” it just thanked me and didn’t ask me to rate. My only gripe is that Betterment doesn’t seem to open correctly - I want to put in my investment options but it doesn’t want to link correctly. Otherwise this app suits my HSA needs.

Current version no longer works to pay bills. Going through the steps to pay a bill the app first asks for amount then asks for payee. When it displays the list of payees it uses the payee name rather than the payee nickname as it has in the past. My wife and I use the same provider with different accounts. This results in two payees with the same name but different account numbers and different nicknames. Since neither nickname nor account number can be viewed when trying to pay a bill there is no way to identify the correct payee. This app is now effectively useless.

Horrible app, archaic.. Coming from Health Equity this app is way behind in advancement. Glitchy and never seems to update. I’ve had the same “needs your attn” receipt request for months on this app that never go away. The only thing it seems to be good for is checking balances. I called in to customer service and the experience was even worse. Was told all the receipts were cleared and there were three more added I can t even see on the computer or app! Was told they would email their team for a fix and it never happened. Uploading is a nightmare on the app and on the computer. On the app no PDFs allowed just pictures from camera roll or live. On the computer PDFs do not upload correctly. Like others have said the receipt file get overloaded and nothing gets done correctly. Please fix these issues. I hope my employer reconsiders Optum in the future.

New version makes things harder. The older version of this app worked just fine, but they came out with a new version which no longer appears to let you go to your expense journal. I don’t see a way to view all of my outstanding (unpaid) expenses other than looking at all of the receipts (useless). Now I have to use the web app to reimburse myself. Disappointing.

Suspended for using my card. I would give zero stars if I could. I got an email saying Optum Bank had suspended my account because I used to card. They asked for emails of my receipts. I sent them all in. I’ve only used the card for my medical expenses and to get new glasses. That’s exactly what this card is for. Last year they kept $375 because I didn’t spend it in time. Now they’re trying to steal my money again. I don’t understand how they can keep me from spending my own money?!

Can’t upload receipts. For the past few months, the app simply chooses to not upload any receipt documentation, from either of the places I could upload (submitting my claim or to the receipts folder). Doesn’t give me an error message or warning, nothing is wrong with my files. Just go to the add receipt icon, select my pdf invoice/receipt, and nothing. Absolutely infuriating and there is no purpose in even attempting to use the app over the website at this point (the website is also frustrating to use but at least you can upload).

Touch login issues. The app is fine once you get into it. Several times over the last year I’ve had to relog in with the user name and password because the touch login would not allow me to. No other banking app I have requires this. It must be a security feature and is a pain in the hindquarters for the user.

Frustratingly inadequate. As other reviewers point out, this app has functionality limitations that create a horrid user experience. You can only upload photos from your phone’s native photo app; it can’t access receipts saved in a document storage tool like Google Drive. That’s a royal nuisance for anyone who organizes their receipts for future reimbursement. The lack of a batch claim process for pharmaceutical receipts is beyond infuriating. Nothing says poor UX like having to submit hundreds of individual claims for pharmacy receipts that are a couple of dollars apiece. Combined with the document storage/access problem outlined above, this makes the app unwieldy and essentially unusable. I’m forced to submit reimbursement claims via the browser, rather than the app. Why did they even bother?

Review. Optum is great , they’re always up to date,& get matters solved easily with a quick easy phone call or a touch of a screen. The app is really easy to use & is updated every 3 months if anything needs to be made easier or fixed.

Limited functionality, confusing, and awful service. On its face the app works fine, but it apparently limits a lot of functionality and information (compared to browser access) in a way that is materially misleading. I use it for my HSA and it pushed me to investment through a 3rd company without telling me that in-house mutual fund options were also available to me. To top it off, Optum Bank’s customer service is atrocious. Agents aren’t the least bit knowledgeable or helpful. Got hung up on once when I asked for a supervisor, and then inexplicably transferred to a random health insurance company (not even mine!) a second time while holding for some basic info. Why my employer uses this poor excuse of a bank for our HSA is beyond me.

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.

Update was a downgrade. The app used to be incredibly user friendly. I could take screenshots of receipts on my phone and submit to the expense journal on the app on my phone. Now with the update that they say is supposed to be better, I can’t even see the expense journal and I definitely can’t submit expenses for reimbursement. I don’t have enough on my hsa right now to reimburse all our medical bills so I pay them on a credit card and submit for reimbursement when it has accumulated enough. Now with the update I can’t see any of it and have to actually login to the account on my computer.

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

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.

Terrible App. Such a disappointment from a large organization. App consistently crashes when attempting to submit a reimbursement claim. Error message when you finally get to the submission screen: “We are unable to process your request at this time, please contact us or try again later. We apologize for any inconvenience this may cause.” I’ve been trying to submit reimbursement for a month. Same error message. I’ve contacted support and was told it would be fixed. That was a week ago. Developers need guidance on what is a urgent ticket.

Consistently frustrating experience. I get hives every time I want to submit a request for refund. The app just purely littered with bugs and the experience is glaringly bad. I always find it odd, that when the developer sees consistent critical/constructive feedback that nothing is done about it. Even the website has “temporarily unavailable” on a consistent basis. UnitedHealth is a Fortune 500 company, and Optum is your highest and fastest growth unit. Yet it’s just perplexing that Optum Bank provides an extremely unfriendly app. Thanks for listening to the feedback.

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?

Provides Basic Functionality with Room to Improve. Overall love the functionality of the app, with some minor complaints. There’s a layout issue that even shows up in the screenshot on the App Store, where the top border doesn’t correctly align with the top of the screen. +1 star if that gets fixed. The other complaint would be that whenever you do anything with investments it pulls up a mobile site instead of happening in app. +1 star to correct that.

Really convenient. I’ve been using this app for a year or so. It is so streamlined, and it makes it easy to pay all types of medical bills without messing with paper and stamps, and all that. it’s easy to check your balance, you always know whether you have enough in there or whether you need to add more. It keeps track of your contribution so you know exactly how much more you can contribute for that year. Super convenient and efficient.

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.

Cancelled my card. App works fine. But the bank arbitrarily decided to cancel my debit card without telling me. I should mention I’ve only had the card for a month and have funds in my account. So there I am, at the pharmacy, going to pay for my prescription ms for the first time with my new card and it’s declined. Call customer service and all I get is they were so concerned about my security they decided to cancel my card, upgrade their system, and then send me a new card. Not to worry, my new card will be here in a week or so

Edit: Login Issues Solved. When I log in using my Health Safe ID, the app seems to load four times in the background. A spinning circle appears, and a small bar extends across the top of the screen three times, followed by a resizing of the OptumBank logo in the center of the screen. To a user, this gives the appearance of instability or a struggle to maintain connection (for what that’s worth). Then, the Terms and Conditions finally load. I scroll to the bottom and select “Accept.” Then, the app takes me back to the login screen to log in using my Health Safe ID. Nice loop, y’all. Last night, I attempted to log in via mobile web, and I got a similar result, except the mobile web version had an error that said something to the effect of We are sorry, but we are experiencing issues right now. Please try again later, or refresh your browser. I am using an iPhone 14 Pro (MQ1D3LL/A) with the latest available iOS update version 17.5.1. Edit: Optum was able to resolve this issue. It is still concerning that it happened at all and that it took close to two days to solve. However, the direct response by the dev team was a welcome change, and now that I can access the app and the website, it seems to work well.

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. 🙄

Login issues. The app is great when it works for the most part. Every time that I login with face ID, it says that there’s a login error…repeatedly. And there’s no option to turn it off and manually login instead. I’m then forced to remove the app, restart my phone, reinstall the app before it works again….so I have to use the browser instead. Please fix this. It’s a nightmare.

Payment with app. Would be great if you could add the option for retailers/doctors to take payment with the app. Either to show the full card number for them to manually type in (just as if the mag stripe wasn’t working). I see the option to see the last four of the card but not the whole number. Or for those with scanning devices (ie Target/CVS).

Unable to login. I have had this app for about a year now and have not experienced any issues until now. The app will not let me login. As soon as I launch it, the loading indicator just continues to spin and nothing happens. This has been ongoing for the last 3-4 days. In order for me to be able to access my account, I have to manually delete the app and reinstall it EVERY SINGLE TIME. Entirely too much of a hassle.

Just a reminder, this app is a nightmare.. I notice 91% of the reviews in the last 8 months are one to two stars. This app has been making me miserable since I signed up for an HSA three years ago. Let me log in? No, wrong email. Yes, it’s the right email. No, you’ve never used this app. Yes, please accept my password. No, reset it. Ok, fine I give up and I reset it. No, not that one. Reset it again. Check your email. Again. Try your old password. No, you can’t use a password you’ve used before even though that’s the password we said is wrong. Still want to check your balance? No, just give up. Want to turn on Face ID? No, also, your password is wrong again now. Don’t worry about your balance, just assume, also we hate you.

Used to work, hopeful they will fix it. For the majority of the year I used this app with no issue. It was a little difficult to understand but a big part of that was I had never had an FSA before and didn’t know what I was doing. I think it was September 2020 it started asking for my password every time, my fingerprint would no longer work. The last few weeks (now into November) I cannot even log in. It freezes and closes and will not progress. I can log into the website with no problem. Hopefully they can fix this as it was super helpful before.

IPad version doesn’t work. The iPhone version of this is pretty good, which is why I give it 2 stars instead of 1, and currently the only way I can actually access my UHC HSA account. The iPad version doesn’t work because the Captcha doesn’t show and so login fails. The web access to Optum Banlk also hasn’t been working. I tried with FireFox, Chrome, Safari and Opera and kept getting the same message of “temporarily unavailable” for seven days in a row. Optum tech support apparently is baffled because they haven’t gotten back to me with a solution. I haven’t tried transferring money yet. Given some of the feedback I’m reading, I’m nervous. Kinda useless to have an account you can’t access or use properly.

Warning! This provider makes gross errors and support stinks. Optum has some of the worst financial institution support you will find. They screwed up a funds application to other tax year form. They can’t read their own form. Most recently they advertised a link to Schwab brokerage which I set up but as many others have noted in these reviews, they don’t actually allow transfers. I got no clear answers when emailing their support. I then picked up the phone to talk to Optums support live. I got an extremely rude person who kept talking over me and then abruptly put me on a long hold. I asked for a supervisor but they said there weren’t any working today. I would encourage others to file complaints with the Consumer Financial Protection Bureau. Unfortunately my employers benefits coordinator has selected this as the only option but I will be looking into alternatives. The updated app more prominently displays the link to Schwab Brokerage. What’s even more confusing is I closed the Schwab account. Optum replied to my CFPB complaint blaming my employer for their broken app. Pitiful. Do not recommend! Update: worse actions occurred. I filled out a form for a partial funds transfer and Optum EMPTIED MY ACCOUNT! They then blamed my employer. Absolutely horrific company. Do not do business with them!!!!

App crashes when submiitting a reimbursement. Update: It's many months later with no fix or reply. Updating my rating to 1 star. The website is telling me to download a "new app" but the Oputm Bank app is over 4 years old! Original: I have reported this to customer service over a year ago and this still is not fixed. This seems to be THE major use case for this app and it is just plain broken! On iphone (with latest OS) using the app (most recent version), create and save a receipt in the receipt folder by taking a photo of a paper receipt. Then navigate back to create a claim by choosing "Pay Myself". Select the dates of service. Now when you attempt to add the receipt from the receipt folder, the app crashes. Reopening and reattempting yields same result. My only alternative is to abandon the app and use the website. This is very annoying. Please fix this high priority bug!

Confused with this bank. I have an HSA with Optum that has been in effect since 2008. I opened an MSA account this year. I have been told that my HSA has been converted to an MSA. How did they do that?? There are different rules for these two types of accounts. I am unable to view or access my HSA on the website and can only see and access the MSA. Some serious work needs to be done to their website and internal procedures if they are going to offer both products to the public.

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.

2002 called, they want their app back. Slowest app I have ever used. It's like using an old DOS system, it's processing, processing... and heaven forbid you want to switch from your HSA to your investments- it keeps flashing one screen, then another, then bars sweep from left to right, just like something is really happening! But it's not. Every second time I use the app I need to re-login with my passcode, so faceID doesn't work. It doesn't remember my device, despite clicking "remember me" each time, so I have to answer security questions... Ugh. Not bad for an app if we were in 2002, but these days? This is hands down the worst app I have used.

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Horrible Chat Box Placement. I am attempting to update and allocate my beneficiaries in the mobile application; however, the on-screen chat box is obstructing the selection area required to designate a beneficiary as either primary or contingent. I recommend repositioning, minimizing, or replacing the chat box with an optional clickable link to initiate chat support, ensuring the full screen remains visible and accessible for beneficiary updates.

Useful and nicely designed for HSA. I came here to review just because I appreciated the non-invasiveness of their rating prompt so much. The app asked me if I enjoy it and when I answered “yes” it just thanked me and didn’t ask me to rate. My only gripe is that Betterment doesn’t seem to open correctly - I want to put in my investment options but it doesn’t want to link correctly. Otherwise this app suits my HSA needs.

Over $600 Fraudulent Charges on the First Day I Logged Into My New HSA Account. I never received my new HSA card after opening the account. When I was finally able to log in after some time, I discovered several unauthorized charges totaling over $600. I have to ask—does your card activation process not require any personal information verification? This is extremely suspicious and raises serious concerns about the security of user information at Optum Bank.

Too many bugs. The app continues to be buggy. When I open the app at times I get multiple error pop-ups. This is pretty annoying especially when you need to access I go quickly. I then have to call customer service which put me on a long hold time. My iPhone is up to date so it’s definitely not my OS.

Very slow at tracking deposit activities. This is not a modern banking mobile application application! I have made three deposits across two days and the application still does not reflect even a pending or inflight deposit. Additionally it took over 24 hours to receive a confirmation email for my deposits. What’s up OptumBank? Come into the modern area. I am only using you because my company has chosen you. This is my only financial app that does not properly track money! Proceed with caution folks.

So easy to use!. I was able to add my card to Apple pay, add my spouse to the HSA account, and order her a card all in a few minutes after installing. App layout is easy to navigate.

App crash. I’ve had this app for the last 3 years with no issues. Within the last week or so, it’s been crashing on startup. I’ve power cycled my phone and reinstalled the app to no avail. I have the iPhone 14 ProMax with iOS 16.3.1. I tried to reach tech support, but could only find FAQ.

Easy to View Payments and Submit Claims. I appreciate the ease of viewing the HSA payments I’ve made on the app,which helps me keep track of my medical expenses. The claims submission process is also easy, and I like the fact that I can organize and review the documents I submit for payment on the app.

Easy to use - great options. The last time I used an HSA account I had to go through a lot of hoops to get reimbursed. I love that I can quickly see my balance, pending transactions and upload receipts from my phone.

Great improvements. Updated interface is easy to use, very responsive. Definitely an improvement over previous versions

What’s the point. I have downloaded the app and have three optum accounts. This app will not let me download receipts it will not allow me to add my bank information to receive direct deposit for reimbursements. Literally all I can do is look at how much money I have in each account.. I can just as easily call and find out with all the hassle this app is causing. Can you do something about this.. I want the app to make life easier

App keeps restarting. After logging in the App will stay logged in for about 5-10 seconds then seems to restart and go back to login screen, I don’t see any updates available, it worked fine about two weeks ago (when I used it last)

This app needs better updates. Every purchase I make I upload my receipts and then every year you ask for some proof of purchase. When I go to look at my receipts the app closes . Y’all need a better system because this gets you old. My money continues to come out my check and I spend it like it supposed but then here you come asking for a receipt that already in your system but I can’t pull up. Please fix this

App doesn’t accept contributions. Can’t believe this bank and its app does not accept mobile deposits. Have had multiple issues with mobile deposits. Sometimes it doesn’t accept them and sometimes it accepts them but they never show up in your account. Multiple service requests to technical support have resulted in no improvement. Only recourse is to make deposits like they were done last century and mail them in. FIX your app and get it into the 21st century.

App is missing dollars va online version. I called Optum today to report that recently I noticed a large discrepancy in dollars between the App and online version. The App is missing several thousand dollars which appears to be because the Funds under the HSA Investment Plan aren’t showing up at all! I was told to always rely on the online version and NOT the App!!! This does not give me much comfort in using their App! I guess I’ll just stay with the online access.

Won’t allow you to login. You can login through the website on your phone, but the app will not allow you to login. It has been this way for many days now and I’ve had this problem several times in the past. Once in a great while it will work, but generally you have to go in through the browser on your phone instead. Really poor app development if you ask me

Haven’t been able to load app or webpage for months. I log in but the site never loads. This is in the app and on the web page on several devices. I don’t even really know how to access support since the page wants you to log in to report anything. - Stuck without access.

Payment with app. Would be great if you could add the option for retailers/doctors to take payment with the app. Either to show the full card number for them to manually type in (just as if the mag stripe wasn’t working). I see the option to see the last four of the card but not the whole number. Or for those with scanning devices (ie Target/CVS).

Ease of use. Great interface. This app is very well organized for the user. The most important information is clear as soon as you open the app. All of the functions are easy to access and work great. This is a great app!

Suspended for using my card. I would give zero stars if I could. I got an email saying Optum Bank had suspended my account because I used to card. They asked for emails of my receipts. I sent them all in. I’ve only used the card for my medical expenses and to get new glasses. That’s exactly what this card is for. Last year they kept $375 because I didn’t spend it in time. Now they’re trying to steal my money again. I don’t understand how they can keep me from spending my own money?!

Complete Garbage. I tried to settle for using this app after numerous failed attempts with their equally garbage customer service line to reset my PIN. But as other reviews state, you can't get past the terms and conditions. It signs you out when you hit accept, you sign back in, and back to the terms and conditions screen. This is NOT fixed like the developers responses say! Time to go to the dentist and just hope I can use my card...

It works but it’s clunky. I’ve used the app a number of times to submit a reimbursement for a medical expense. It’s not straightforward or intuitive. Also the login process is terrible, requiring me to go through two rounds of login screens with healthsafe-id and then receive a 2FA text. TouchID would be so much better. In the end it works but it’s frustrating and cumbersome. Could use a lot of UI/UX help.

Making payments is always a headache. It’s always been a pain to make a payment, but they recently did an update and it’s even worse. Recommendation to Optum app developers... create a way for users to click “make a payment” when under the saved payee. With the new update, even when I click on pay an expense then select the payee/acct number it asks me to re-enter everything! Easier to go on the provider website. Shouldn’t be this hard to create a useable app for a bank this size.

I absolutely love the app. I have this app for my sons daycare. It’s so easy to use! So easy to submit claims! That’s what I love about it! And you get your funds pretty quickly in my opinion! Definitely wish to be able to continue to use the app as long as am able to!

Review. Optum is great , they’re always up to date,& get matters solved easily with a quick easy phone call or a touch of a screen. The app is really easy to use & is updated every 3 months if anything needs to be made easier or fixed.

Worst Updates. The app always requests full log on details no matter if you ‘save’ it. It always requests validation regardless if you ‘save’ the phone details. It takes forever to log in due to all the hurdles to log on. When you’re finally in the app, it doesn’t display all the details you need. Submitting receipts should be easy but it never verifies if it has been received/sent anywhere for you to reference. The prompts keep telling me to submit receipts. This app is awful.

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.

Login Issues. Multiple times the app has logged me out and I’m unable to log back in. Every time I try to log in I get an error message. I’ve tried changing my password, updating the app, deleting and reinstalling the app, and nothing works. It’s insanely frustrating not being able to access my own accounts. I don’t know what your developers are doing to cause these constant login issues, but this needs to be fixed immediately.

App Never Works. Literally any time I or my husband try to use this app it allows me to enter my login information and then is just stuck loading. I’ve let it try for upwards of 30 minutes at times. All I ever want to do is check our balance. It happens every. Single. Time. I haven’t been able to login for months. And if I try to login on the website there’s always an error and I can’t login that way either. Super frustrating.

Trash wish we hadn’t switch to them. Company switched flex spending provider and now we have this. App is useless as you can’t do anything flex spending related as I could with my prior provider. App just takes you to a website that then says you can’t do anything flex spending on and takes you to my insurance website. Don’t need an app to go to my insurance site. Totally useless and make it almost impossible to use or determine your FSA. Hate that we have this trash

The worst for ease of use. I have to reset my password every two weeks because this app doesn’t work with facial recognition. It might as well ask me to call every two weeks to get information on my account. I am not using this account by choice since my company makes those decisions so I feel like I am being doubly punished just to see what my balances are. And don’t even get me started on how it takes about a week for funds to show up from payroll deduction.

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!!

Pending Contributions. If you’ve made a contribution and it’s pending, the app does NOT indicate it’s pending. Every year I have to call and speak with an agent to confirm it’s in fact received and pending. Yes, I am aware it takes several days to process, however, the app should indicate it’s pending.

Card never works. The Mastercard I was sent did not work. I called support. They told me it would be working in an hour. The card still did not work after several hours. When I called again, the person on the phone just took a bunch of my personal information and told me she would have someone call me back. Does anyone at this “bank” actually know anything about making a Mastercard work to make purchases?

Major headaches. The app created major headaches for me that am almost 9 months on and yet to resolve Apparently if you issue payment through the app it facilitates by check. Oh, you selected a dependent for who the payment was for? Yeah, we don’t put that name on the check we put the main account holder. Oh, you put the account number for the patient? Yeah, sometimes we don’t register that you put that in and just send the check with the main account holder name only. Oh, so there was an issue with your payment(s) getting allocated to the wrong account? Yeah, because it is done with a check we can recall a refund like we could have for a debit card transaction. Ultimately the lesson learned for me is to use the app to check account balances and that is it. Use your debit card to pay your bill.

Mutual Fund Info Incorrect vs Website. The app with new update only shows a single mutual fund account info. If you have multiple accounts only one is shown and overall account totals are wrong. However, it look correct on the website and includes all accounts. Once fixed the app is a 4 or a 5!

App keeps logging me out. Every single time I sign in, the app begins to load then WHAM! I get hit with another login page. I put in my credentials again but the app repeatedly logs me out. This endless cycle renders the app entirely useless. I attempted to remove the app and re-download but the issue persists. This app has gone from okay to annoyingly not reporting my investment holdings to plain unusable. I would rather remove my funds altogether then put up with a worsening experience. My patience is wearing thin.

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?????

Required To Update?. Not sure I did anything different besides wait and come back to download the app again and it works fine. Previously I had: When I click update, the app cannot update it only shows "Open". I tried deleting and downloading, that doesn't solve it.

Unable to login. I have had this app for about a year now and have not experienced any issues until now. The app will not let me login. As soon as I launch it, the loading indicator just continues to spin and nothing happens. This has been ongoing for the last 3-4 days. In order for me to be able to access my account, I have to manually delete the app and reinstall it EVERY SINGLE TIME. Entirely too much of a hassle.

Refreshing. The app refreshingly simple and fluid. I can find everything I need to, there’s no having to go to a desktop session to actually get important things done. Uploading receipts, managing investing etc. feels frictionless. Great app.

Great Experience. Had to call in today and get my account updated and order a new card. Customer service was a+. Call was quick and efficient. Was expecting it to be a bad experience but pleasantly surprised.

Consistently frustrating experience. I get hives every time I want to submit a request for refund. The app just purely littered with bugs and the experience is glaringly bad. I always find it odd, that when the developer sees consistent critical/constructive feedback that nothing is done about it. Even the website has “temporarily unavailable” on a consistent basis. UnitedHealth is a Fortune 500 company, and Optum is your highest and fastest growth unit. Yet it’s just perplexing that Optum Bank provides an extremely unfriendly app. Thanks for listening to the feedback.

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.

Slow contributions shown on the app. Don’t know why it would take a month to show my contribution on the app each month. My paycheck would show the deduction this month, and this app wouldn’t show the contribution until next month. Besides that the app has good layout, and it’s easy to navigate. Just hope it could fix this problem and could show my contribution sooner. Thanks

Awful. Just awful customer service and it seems every time you pay the doctor you have to send in the bill to prove it’s you. I’ve never had this much trouble with an FSA card before. Totally unacceptable. Even though my name is also on the FSA card I still can’t get information from these people. You have to put the primary cardholder on the phone each time which that is totally ridiculous. Customer Service is no help at all.

upgrades needed. I’d like to see a list instead of a pie chart for analyzing performance. The pie chart is incredibly inefficient and requires too many clicks to display data. Color coding is efficient. The main dashboard total for Stocks usually does not match the investments dashboard. Please make them the same calculation.

Horrible login experience. The app won’t properly login, using the same correct login credentials I often have to attempt to login 3-4 times before the app actually allows login and shows me my account. It seems like a poorly ported interface that isn’t an actual native iOS app. One of the worst account access experiences I’ve ever had. Unfortunately I’m stuck dealing with this app due to decisions out of my control for pick of HSA management.

Debit card. Everything is great with Optum. I love the newly updated mobile app version. One thing that needs attention is that the debit card doesn’t have contactless feature to be able to tap and add the card on mobile phones digital wallet for tap feature.

Improved. Much better quicker on phone through app in place of trying to transfer pictures from phone to laptop to upload.