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HSA withdrawals
Optum Bank℠ Health Savings Account Debit MasterCard®
You can use your Optum Bank Health Savings Account Debit MasterCard for direct payment at a doctor's office, pharmacy or any health care facility that accepts MasterCard. In most cases, the card can also be used to pay a bill from a doctor's office or health care facility, provided they accept MasterCard.
You will receive your card in the mail seven to ten days after opening an HSA. Be sure to activate your card so you can start using it for your qualified medical expenses. You can activate your card using the included toll-free number and you may obtain your PIN at that time. With your PIN you can use your Debit MasterCard to withdraw funds at any ATM displaying the MasterCard brand name. So, for example, if you go to the doctor and pay for your services out of your own pocket, you can then withdraw money at the ATM to reimburse yourself.
Optum Bank will charge a per transaction fee for ATM withdrawals. Fees may also be charged by the ATM owner.
If you would like an additional debit card, download a request form at and follow the directions. Remember that your HSA Debit MasterCard acts like any other debit card and could incur charges not made by you. Protect yourself against fraudulent charges by routinely checking your HSA statement.
Paying online
When using your Optum Bank Debit MasterCard to pay for qualified medical expenses online, you receive additional protection of your personal information by using the MasterCard SecureCode™.
A SecureCode, known only to you, validates your identity as the cardholder for online transactions with participating retailers. Here's how it works:
  • Each time you make an online purchase with a participating retailer, a window pops up, asking for your SecureCode.
  • Correctly enter your SecureCode. This confirms you are the authorized cardholder and your purchase is completed.
Online retailers cannot see your SecureCode, adding another layer of protection.
Obtaining a SecureCode
The next time you use your Optum Bank Debit MasterCard for an online purchase, you will be prompted to register for a SecureCode. Choose your password, briefly provide other requested information identifying yourself, and continue to complete your purchase.
When making future online purchases, you will be asked to enter that same SecureCode to complete the transaction.
SecureCodes are required for all your HSA online debit card purchases at participating retailers.
Online banking and bill payment
Log in to and enjoy the convenience of online banking with Optum Bank. You can view recent account activity, link to your investment account, if you have one, and view and download your monthly statements. You can also pay bills for qualified medical expenses directly to your doctor or other health care providers. With online bill payment, you can set up the names and addresses of your providers to make future payments a snap.
At time of application, you agree to receive electronic monthly statements. You can, if you choose, request to have monthly statements mailed to your home. You can opt out of electronic statements by completing and returning a statement delivery change request form, available at
Paying with checks
You may also request HSA checks to use when paying your medical bills. Checks are issued for a fee of $10 for a book of 25. Refer to the fee schedule for a list of fees that apply to your HSA.
Reimbursing yourself
You may choose to pay for some or all of your medical expenses out of pocket, saving receipts to track your qualified expenditures.
Then, at some point in the future, you may reimburse yourself for those expenses. Go to, log in to your HSA and select "Reimburse Yourself." You'll be able to choose to set up an electronic funds transfer (EFT) from Optum Bank to your savings or checking account at another bank. Or, you can ask Optum Bank to send you a check by mail. You may also use paper checks, if you have purchased them, or withdraw money with your debit card from an ATM to reimburse yourself.
When you reimburse yourself is completely up to you. It can be weeks, months or even years after you've paid for the qualified medical expenses. You must, however, have retained the receipts for the qualified medical expenses in the event the IRS inquires, and the expenses must have been incurred after the date when you established your HSA.
Disbursement limits
OptumBank℠ limits your ATM withdrawals to $300 within a 24-hour period. There is also a $10,000 limit on disbursements at a point of service, such as a health care facility, in a 24-hour period.