OptumHealthBank.com - About FDIC Membership

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Have more than $250,000 in your deposit account?

NEED TO KNOW

National banks are required to have FDIC insurance, but others don't. You can look up any bank on the FDIC website to find out if it is insured and review its history.

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About FDIC Membership

OptumHealth Bank is a member of the Federal Deposit Insurance Corp (FDIC) in order to keep the funds in your HSA deposit account safe.

That means the FDIC will cover the funds in your deposit account up to $250,000 in the unlikely event OptumHealth Bank goes out of business. The insurance premiums companies like OptumHealth Bank pay are used to cover consumers' deposits when a bank fails.

Purpose of the FDIC
The FDIC is an independent agency Congress created to help maintain stability and public confidence in the nation's financial system. In addition to insuring your deposits, it monitors financial institutions to make sure consumers are protected.

Health savings accounts (HSAs) are individual accounts offered by OptumHealth Bank^SM, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.

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