Optum Bank Phone Numbers and Emails

Toll-Free Number:

  • (877) 620-6194

Cobra And Billing Services:

  • (866) 343-8902
    Phone for employers and brokers
  • (866) 301-6681
    Phone for participants

Customer Service:

  • (877) 620-6194

Electronic Payments And Statements:

  • (866) 234-8913 ext 4

Wealth Management:

  • (866) 257-3383
    P.O. Box 271629 Salt Lake City, UT

Wire And Ach Information:

  • (866) 234-8913
    2525 Lake Park Blvd, Salt Lake City, UT
  • (866) 988-2006
    Employer Optum Bank: Transferred from Wells Fargo
  • (800) 243-5543
    Health Advantage: HSA, HRA, FSA, Transportation
  • (877) 298-2322
    Health Advantage: RRA
  • (877) 470-1771
  • (844) 326-7967
    Optum Bank: Transferred Wells Fargo accounts
  • (866) 309-8550
    UnitedHealthcare Farmers RRA
  • (800) 791-9361
    UnitedHealthcare Optum Bank account holders
  • (877) 298-2305
    UnitedHealthcare RRA
  • (855) 893-2300

Optum Bank Email:

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Optum Bank Contact Information

Optum Bank Website:

Optum Bank Online Chat:

Corporate Office Address:

P.O. Box 30516
Salt Lake City, Utah 84130-0516
United States

Other Info (opening hours):

7 a.m. to 6 p.m. (Central Time), Monday through Friday

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How to contact Optum Bank

Customers reach out to banks regarding:
- Refunds
- Lost cards
- Debit card/Credit card application
- Paycheck copies
- Transactions issues/Money transfer/Deposits
- Payment issues
- Fraudulent activity such as unauthorized withdrawals and change of account information
- Log in issues
- Card activation
- Balance inquiry
- Online banking
- Claims/Disputes
- Loan/Mortgage issues
- Credit limits and scores
- Fees and interest rates
- Account suspension or closure
- Funds put on hold

Depending on the issue you are calling customer support about, you may be required to provide certain documents or information.

Account opening and card application

When calling to open an account, you will be required to provide the following documents:
- an identification document such as a government-issued ID, passport, or driving license;
- social security number;
- tax identification number.

In addition, banks require your personal information, contact information, and physical address to open an account. These include your
- full name;
- phone number;
- email address;
- shipping address including your street address, suite or apartment number, and zip code.

For joint accounts, all members will need to provide the aforementioned documents. Minors need to submit a legal document signed by either a parent or legal guardian.


For mortgage application, you will need the following documents:
- most recent pay stubs;
- identity documentation e.g. ID, driver’s license, or passport;
- W-2 form for the last 2 years in employment;
- income tax returns;
- bank and investments statements for the last 3 months;
- signed home purchase contract;
- a copy of the house listing;
- property address;
- your real estate lawyer address and contact information;
- property tax estimates;
- pre-approved mortgage certificate where applicable.

For an auto loan application, you will be required to provide:
- proof of income such as pay stubs;
- identity documentation e.g. government-issued ID, driver’s license, or passport;
- proof of residence e.g. a utility bill;
- driver’s license;
- valid insurance policy;
- vehicle information e.g. registration papers.

Disputing transaction

When disputing transactions such as unauthorized charges, refunds, or payments put on hold, you will need to provide proof of transaction. This can be accessed by logging into your account and visiting the transaction history.

Identify the particular transaction and review the transaction details such as:
- the name of a merchant
- their address and contact information
- transaction date.
Take a screenshot of transaction details, which you will forward to the customer care representative if requested.

Card activation

When calling for card activation have the following in hand:
The card that needs to be activated. You may be required to provide the CVV code and expiry date or to take a photo of the card.
Phone or email address linked to the account/card. An activation code or pin may be sent to the phone or email address linked to your account

Alternatively, log into your online bank account or app and choose the activate card option. In most cases, you will be asked to provide the CVV code and expiry date. Some banks require you to take a photo of the card and upload it.

Account issues

For account login issues, provide your phone number or email address associated with the account on the login page. If calling customer service for such issues, you may also be required to verify that you are the account owner by providing the following information or documents:
- your account number;
- a brief history of recent transactions;
- government-issued ID;
- social security number.

In the case of a frozen or blocked account, find out the reason. The most common reasons banks freeze accounts include fraudulent activities such as issuing or cashing bad checks, and money laundering, IRS tax levy on unpaid taxes, or unpaid creditor debt.

In the case of unpaid debts, you will need to settle the debt and provide evidence. On the other hand, for fraudulent activities, you need to provide relevant documents to prove that the transactions were legitimate.

More information

Summary of Optum Bank Customer Service Calls

01:19 AVG CALL

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call Optum Bank Customer Service?

Cards Question:

  • “Lost card”
  • “Need new card”

Activation/ Cancellation Question:

  • “To cancel”

Request for Information Question:

  • “Information on a HSA account”

Payments and Charges Question:

  • “Lost debit card”

Account Question:

  • “Account login”

Other Question:

  • “Address issues”
  • “I had received 2 checks, why ?”
  • “Coverage”


Optum Bank Terms of Service
The Client represent and warrant that The User are at least 13 years of age, and that if The Client of Optum Bank are between 13 and 18 years of age a parent and/or guardian agrees to these Terms of Use on The Client's behalf. Certain portions of this website may be configured to permit users to post messages, comments, or other content. Any such content is only the opinion of the poster, is no substitute for The Customer's own research, and should not be relied upon for any purpose. Website may change, add or remove some or all of the Content on this website at any time. In addition, please note that although Company's goal is to provide accurate information, certain features that may be offered through this website, such as participating healthcare providers, pricing information or other Content, may not be accurate or up to date. In addition, please note that features of any product, service, account or plans described in this website may change over time as permitted by law, including benefit levels, items included in any formulary, pricing or lists of participating providers or other associated vendors.
To read more: https://www.optumbank.com/terms.html
Optum Bank Privacy Policy
Protecting personal information is important to Optum. It is Optum Bank's' policy to protect the confidentiality of Social Security numbers ("SSNs”) that Optum Bank receive or collect in the course of business. www.optumbank.com secure the confidentiality of SSNs through various means, including physical, technical, and administrative safeguards that are designed to protect against unauthorized access. It is Optum Bank's' policy to limit access to SSNs to that which is lawful, and to prohibit unlawful disclosure of SSNs. www.optumbank.com recognize that the privacy of The Client's personal information is important. The purpose of this policy is to let The User know how Website handle the information collected through the use of this website. Portions of this website may describe privacy practices applicable to specific types of information or to information provided on specific web pages.
To read more: https://www.optumbank.com/privacy.html
Optum Bank FAQ
To read more: https://www.optumbank.com/support/customer-support/faqs.html
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