Account Security

If you encounter a suspicious email or text message that seems out of the ordinary and claims to be from Optum® or Optum Bank®, do not respond to it or click any links.

What to do

Do not open attachments, click on links, or respond to emails from suspicious or unknown senders.
If you receive a suspicious email or text message and you:
  • Did respond by clicking on a link, opening an attachment or providing personal information regarding your account, call us immediately at 1-866-234-8913 Monday–Friday 8:00 a.m. to 10:00 p.m. ET and Saturday–Sunday 9:00 a.m. to 5:30 p.m. ET.
  • Did not respond, email us at You will be contacted by an Optum Bank representative within 2 business days.
Optum will never ask you to enter personal information through a link within an email.

What is phishing?

Phishing is usually a two-part scam involving email or text messages that contain links to fake or “spoof” websites requesting sensitive information such as usernames, passwords, and account details. Once obtained, your personal and financial information can be used to access your account and steal money.

How to recognize a phishing email

Phishing emails are becoming more sophisticated and difficult to distinguish from legitimate emails. By posing as a reputable company, these emails tend to use clever and compelling language, such as an urgent need for you to update your information or communicate with you for your own safety or security.

In the example below, notice:

  • The email address used in this situation appears to be a real email address; however, oftentimes it may not appear to come from Optum®.
  • The content includes a link to update your account.
  • Clicking that link could lead to a fraudulent website - this would be revealed by hovering over the link (not viewable in this screenshot).
  • Oftentimes a phishing email may contain spelling and spacing errors.
  • Ask yourself, does the email seem different from other emails you have received from Optum® in the past? If the answer is yes, do not click on any links and please report the email immediately to

Fraud E-mail

Thank you for taking steps to help protect your personal and financial information.