Stay away if you have a choice 1/5
My employer uses Optum to manage the health savings account and dependent care account. This is by far the worst administrator I’ve encountered. First off, you can’t access your account outside 9-5 work hours. They reject 98% of transactions including dental office visits. You can’t even use the card at a supermarket to buy medical supplies such as bandages or hydrogen peroxide. This administration is too strict.
Doesn’t load can’t validate 1/5
By Printer Finally
Does not update account balances and transactions real time. It takes a 24-48 BUSINESS HOURS to update.
The app not requires the last four digits of the debit card number or account number as security feature.
When I enter the account number and select update the app does nothing and stays on the same screen.
When I enter the last 4 digits of the account number I get an error message.
impossible to log on 1/5
By W. in Orlando
Takes sixty seconds until login screen even appears, then - after correct password and another 30 seconds - always 'there was an error logging on'. Even delete and reinstall makes no difference. Logging in on the website works, so the password is correct.
Glitchy again 2/5
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
Life changing 5/5
This App is the easiest, most clear way to use my HSA. Reimbursement has never been so easy and I love it!
The app worked great. Today I was forced to download an update and now I can’t login. Inefficient and frustrating...less of an update and more of a downdate. You shouldn’t make your app less reliable and more difficult to use.
Could be a great app 1/5
By 1482 Harley Girl
What a horrible app I have had nothing but problems!! My dashboard doesn’t update. When I call customer service they are extremely rude! If you have this app I hope you have better luck than what I have had.
Easy to use 5/5
Love this app. Very easy and user friendly.
App requires frequent updates 2/5
The app is requesting updates even when I have it set to automatically update. It states to use newer version when there is no update available.
Would not use it I did not have to.
Can’t open 1/5
By Cat Lady 1994
I downloaded this app and it will not let not let me open it. It keeps telling me to download the newest version. There are no updates available for the app as this is the newest version. I deleted the app and downloaded it again thinking it might solve the problem and that did not work. Right now this app is useless for me!!
Doesn't work 1/5
I get this message when I open the app:
"We are continually improving your mobile experience, please download the newest version and update your mobile app today!"
But when I go to the App Store, there is no update available....
Impossible to fund investments 1/5
You can’t make the transfer from HSA to investments. Useless. Keeps getting hung up on “select one of these options”. All options selected and amount below threshold. Been this way for weeks if not longer.
Can’t invest money 1/5
Fix your App....
It won’t allow me to invest idle cash. It won’t allow me to select how I want to allocate.
Crap for an app
App can't transfer funds to invest, but neither can website 1/5
Signing on 1/5
Doesn’t ever let me used my saved information for log in.
App and desktop won’t transfer funds to investment acct 1/5
By Watup Gee
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?
Incredibly buggy 1/5
By Giving up on this app
Every action takes forever to load. Key features don’t work. Avoid this app and company if possible.
Great App 5/5
By Miss Period Perfect
This app is easy to use. Everything is easy to find on this app.
Crap app 1/5
Can’t submit payment requests in the app, what else would I use this crap for!?
When I am reimbursing myself, there is no option for decimal points. If by receipt was for $10.76, through the app, I can only reimburse myself $10. Please fix. Thanks.
Unable To Transfer Money 1/5
I am unable to transfer money from HSA investments to my HSA account. When my money is stuck in my investments, I can’t pay medical expenses.
Almost worth it 2/5
I found I could do anything except what I needed to: pay a payee. Really? The mobile website is better.
Doesn’t work well with Safari or Apple App 2/5
Funds transfer won’t allow you to select what you and to do. Optum Bank support says it is a compatibility problem with Apple products and they hope to release a fix soon, but it’s been over a month with no version update with a fix.
It does not allow a submission and is constantly giving a message to call them. What’s the purpose of the app if I can’t upload a receipt.
Investment Account Transfer Not Working 1/5
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.
Claim support 1/5
By Bummed Bruce
I received an email requesting documentation for a transaction. However it did not state which charge item documentation was needed. Neither did the app. Who knows what happened. Guess I will have to wait and see if a charge gets rejected for lack of documentation.
Crashes on login, unusable 1/5
Easy to use 5/5
I like this APP for its user friendliness and ease of navigating the portal. Very well set up and clear information at hand.
HSA Investments 1/5
Confusing and hard to follow - what you see online through the website doesn’t align to the mobile application to see what your current holdings are and doing any type of investment changes is confusing too. The amounts you can contribute to invest and overall navigation through different tasks can be challenging.
Good App - when I can get into it 1/5
The app is good - but lately I have been unable to access my account through the app. There is an error and it times out and will not let me in - so the app is useless. I have tried deleting and reinstalling and nothing works.
I cannot locate anywhere to ask for help with the app - but I will revise my review if this is fixed.
Please fix this!!
Can’t say enough about the easy of use with this app. Completely fantastic.
Ok but why can’t I view statements 3/5
I don’t understand why apps like this don’t allow me to see my statement? I got this app because my statements were getting lost in the mail.
Mobile deposits feature useless 1/5
Tried depositing three different checks, including one that I wrote to myself, to deposit. Multiple, multiple attempts. App could NEVER read the numbers on the bottom. All my other credit union / financial institution apps perform this feature effortlessly. Not Optum. So far not impressed with Optum bank or their horrible app.
Ugh. Inconsistent and not iOS-like 2/5
Feels like a first rev. Missing out on some things that iOS does consistently all over the place like form behavior and data entry. Also I though it was great that it would save “payees” for me but I’m using this for an HSA and it won’t let me save my family members.
I might try again later but for now I’ll go back to the website :(
Transfer funds selection is not working.
Nice if it works 1/5
Only opens half the time on login. Grade: F
Good app, but needs improvement 3/5
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)
I went to the drop down menu and went FAQ’s. Directed me to a page that said I needed to update the version of the app, but went to update and there is no version available.
Loving the app experience! 5/5
By Hitesh Nembhwani
Easy to navigate and works flawlessly! Super happy with Optum Bank app and would recommend for others who haven’t yet explored it.
Good app, but 3/5
Good app, but please add Touch ID
ALWAYS have to login with typed username and password. Uggh! 3/5
By Daniel in Plano
I keep having to sign into this app. It asks for my fingerprint and then I have to enter my login and password anyway. Seems like if you don’t use it frequently enough then the auth token expires. There’s so many redirects when you login that’s there’s no opportunity for my iPhone to save the credentials either. That’s a big pain when you are put on the spot to pay at a doctor’s office or pharmacy and you are trying to look up your balance with a line of people behind you. It would be nice if it wouldn’t expire so fast and the Touch ID actually worked, or at a minimum I could tap into the username field and then my iPhone would give me the opportunity to enter the username and password from my keychain.
Please improve this part of the app. I think otherwise it would be worth a 5-star rating.
Not user friendly 1/5
By Optum customer
I have not been pleased with this app. It is not user friendly and seems to often have error messages.
It is a pain to use this app 1/5
It is constantly has problems. Loading... Loading... Loading... A lot of features are not intuitive. Horrible UX. Very slow and glitchy.
Not useful, unable to submit mobile claims 1/5
The app itself is fine. Works smoothly, no apparent bugs. You can take a picture of your receipt with the app to be stored in your Optum file, but cannot submit them, neither in the app or on the desktop version. There is zero usefulness to the app without the capability to submit on the go or take a picture & use that pic to submit later for HSA or FSA users. I’ll be deleting the app.
There is no way i should get charged 3$ monthly fee. F bs
Doesn’t work 1/5
Was excited to be able to use but it only sounds good. In reality it doesn’t even work. I get a blank screen on login and nothing happens. Why would the product that doesn’t work be even released? An embarrassment to the bank for poor testing and premature release. I would rather wait longer and get something usable.
Doesn’t work after update 1/5
After the last update, I am unable to transfer money to make investments. Called support that didn’t know how to fix it.
Where is version 1.3? 4/5
Received an email on 4/1 that a new version is available.. today is 4/2 and not available in the Apple store. Is this an April fools?