Optum Bank Reviews: Is It Legit?

Customer Experience

Positive experience25.6% of reviews
Neutral6.2% of reviews
Negative experience68.2% of reviews

~ Based on 242 written reviews from the US App Store.

What users say about Optum Bank

Is Optum Bank Safe?

Optum Bank appears safe based on user ratings. AppsHunter Safety Score for Optum Bank is 95/100.

This assessment is based on 54,621 user ratings, with an App Store average of 4.7/5.

Safety Analysis

94.8% of ratings point to a safe experience
2.5% of ratings suggest some concerns
2.7% of ratings point to a risky experience

~ Based on 54,603 App Store ratings for Optum Bank.

Is Optum Bank Legit?

Optum Bank appears to be a legitimate app. AppsHunter Legitimacy Score for Optum Bank is 100/100.

Based on 100 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Never ending portal hopping

It’s hard to explain how impossible this bank/financial institution is in terms of access. It constantly changes leaving you unable to access your own funds.

Can’t link bank or budget app

This app uses an incredibly invasive mastercard account link that requires more permissions than needed to link accounts and reimburse yourself. Once linked my account doesn’t even show up. Then when you want to delete that link you have too many steps and any of your transaction history is now in possession or Mastercard and likely Optum.

Also my accounts with Optum never stay connected with my budgetting app.
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Health $

Very user friendly app. Thank you!

awesomeness

awesomeness.

Control System Tech

Easy to navigate on their website.

No FaceID is automatic 1 star

The password policies are obnoxious and passwords are so last century. The only thing keeping this from a great review is FaceID support.

Easy to use

I am pleased with the ease of use for documenting claims

Good UI, bad minimum cash balance

The app runs well, there’s good choices for investments, but you need to keep a 2k cash balance or else you can’t invest. It’s a real bummer, it slows down the growth of your account by a lot. It took me a long time before I could begin investing. When I leave my current company, I’ll be looking to switch to Fidelity for sure. I would just use theirs now, but there’s a big fee for every transaction you move money out.
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Excellent app

Very happy with this app and it’s functionality. Thank you for the improvements.

Ehhh

Good if you use it in the morning otherwise good luck servers can’t handle the traffic so you can never login to check anything

Login issues w/o manual dns settings

Not sure what happened on the last update 3 wks ago, but I can no longer use the site or app w/o changing dns settings to manual. Can it be fixed please?

Unspecified login error every time now. No problem in browser.

App used to work well but now cannot login. Deleting and reinstalling does not help. Accepts credentials initially but gives error once loading.

Very good app

Very good app

Good App - Awful Service

I would recommend anyone stay from Optum for FSA. If their goal was to make everything as difficult as possible at every step, they are extremely successful. The app is good, however, there’s no easy way to submit messages or receive responses back to assist with insurance claims/receipts. They make things like submitting a breast pump through your FSA nearly impossible. Recommend avoiding at all costs…if you have a choice. I’ve had 6 different insurances and the FSA through them is far and away the WORST experience I’ve had.
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Terrible Registration Process

I’m used to registering and using apps on a constant basis and this was a complete mess. They immediately locked my account with no explanation and when I called support they were unequipped to help and just passed me along to different departments. Be lucky employers are dim enough to use such a brain dead company for their benefits because no one would ever voluntarily put up with their bureaucratic and ineffectual nonsense.
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Error

Several attempts to login on the app and it gives me an error message. The update has been done but still having login error messages. The app is great when you can get logged in and see your information but they need to fix the glitches.

Very Convenient

App functionality is very good and chat feature helps to get answered quickly. Also a lot of information on app.

Crashes when I tap submit for reimbursement

The app looks great and it’s pretty well organized. It’s convenient to be able to add expenses and receipts on the go but every time I try to submit for reimbursement it crashes I have to go to the website to do a reimbursement, even though the app appears to be designed to allow this function.

Terrible

I didn’t know that this app cost $16.99 I don’t know how to get a refund.

Our garbage and zero help

Model is the app garbage. But when you call them for help, they ask you for your credentials at least seven times.!!