Optum Bank educates employees and employers to ensure everyone knows what to expect.
Optum Bank are one of the leaders in this space, and even have their own digital “academy” to educate employees and employers on HSAs. They are backed by UnitedHealth.
Individuals may contribute up to $3,600 a year, and an individual with family coverage can contribute up to $7,200 for the year. Once you turn 55, Optum allows you to contribute an additional $1,000.
Optum Bank's HSA has a monthly maintenance fee that you'll receive with your HSA Welcome Kit.
There are a few small account fees. Optum charges $2.50 per ATM transaction, $20 to transfer your HSA to another bank, and a $1.50 for a physical print-out of your statement.