OptumHealth Bank Health Savings Account Debit MasterCard^® account owners receive additional protection of their personal information by using the MasterCard SecureCode™ for online purchases at participating retailers.

How SecureCode protects you
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.

A SecureCode prevents unauthorized online purchases. Also, online retailers cannot see your SecureCode, adding an additional layer of protection.

Obtaining a SecureCode is easy
If you don’t already have a SecureCode, here’s what to do:

• The next time you use your OptumHealth 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.

For 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. More than 350,000 online retailers support SecureCode, and their ranks are growing all the time.

A SecureCode is not a PIN number
PIN numbers are used to access cash at ATMs or pay at the point of sale. Also, account owners are assigned a PIN when they receive an OptumHealth Bank Debit MasterCard^®. In contrast, a SecureCode is a password you choose, and it is only for online purchases.

You can still use your card with online retailers not asking for your SecureCode
You can still use your card with online retailers who aren’t yet including a SecureCode in their check-out process. Just follow the traditional steps to complete your purchase with them. However, the number of participating online retailers is growing every day. It is likely that you will be able to gain the benefits of SecureCode with these retailers soon.

SecureCode customer service
If you forget your SecureCode, OptumHealth Bank customer service is available to assist you. Customer care professionals can be reached Monday through Friday, 8 a.m. to 8 p.m., Eastern time at 1-866-234-8913.