How to protect your accounts

At Optum Bank®, we take protecting your account very seriously. At the same time, we also encourage you to practice a few key habits to help ensure that your personal information is always safe and secure for all of your accounts — not just the ones with Optum Bank.

Please click on each item below for additional information.

Identity protection

  • Always keep Social Security cards, financial documents and other important documents in a secure place. Consider purchasing a safe or renting a bank locker.
  • Never give out private information, such as your credit card number or Social Security number, on a phone call that you did not initiate. Also, as a rule, never email or text your private information.
  • Regularly review your credit report to monitor for suspicious activity. You might want to set reminders on your calendar to do this. Learn how to request a free credit report here.
  • Do not save passwords on your digital devices in an unencrypted and non-password protected form, in case your devices get stolen.
  • Do not allow the internet browsers on your digital devices to remember (store) your passwords, in case your devices get stolen.
  • Keep all blank checks in a safe place. Don’t endorse checks until you are about to deposit them.
  • Dispose of documents that contain private information in the proper manner. Consider purchasing a shredder.

Online and email security

  • Protecting your computer and personal information from thieves and hackers is easy. Install only the most recent security software, including malware and anti-virus protection, on your computer. Avoid downloading programs and/or apps from untrusted sources. Use a pop-up blocker and set your browser security to detect unauthorized activity immediately.
  • Don’t access websites with sensitive personal information on public Wi-Fi networks, especially financial accounts, health accounts and more.
  • Scam emails are common. Always look closely at the return email address and the URL.
  • Don’t click on any links or open any attachments unless they are from a trusted source. Instead of clicking on an embedded link, type the URL into your browser yourself.
  • Use secure websites when making online purchases. Look for secure transaction signs, such as a closed-lock icon and “https://...” in the address bar.
  • Report stolen devices immediately. Items such as phones and laptops can be reported to local authorities. Write down each of your card numbers and the phone numbers from the back sides and keep in a secure location such as a safe or bank locker. If your card is lost or stolen, you have the necessary information to cancel your card.

Usernames and passwords

  • Passwords should be like your fingerprints — unique and individual. For all your accounts, use strong passwords, which include 10 or more characters, upper and lower case letters, numbers and/or symbols. Use different passwords for each account.
  • Avoid using personal information in your passwords, such as your name, birthday or anniversary.
  • Update your passwords regularly. It’s a good idea to update your passwords every 3 to 6 months. Don’t share your passwords or save them on your computer, smartphone or tablet in a form that is unencrypted and not password protected.
  • Log off completely from all websites when your transaction is completed. This includes mobile websites and mobile apps, as well as any activity performed on a laptop or computer.
  • Immediately change your password if you have been reusing the same password for multiple websites, have a reason to believe your password has been stolen, think you might have used your password on a phishing or scam website, or if you think your password should be stronger.

Card and account security

  • Keeping all your cards and accounts safe from thieves is important. Check your account balance and bank statement often to detect any discrepancies or fraudulent activity. Make sure your accounts have been updated with your contact information, including your phone number and email address. Set up account alerts (when available) so you will be notified of withdrawals and deposits to your account.
  • Never write your Personal Identification Number (PIN) on your debit card. Keep the PIN and your card number separate and secure. Copy the customer service phone number from the back of your debit card and keep it in a separate location from your purse or wallet.
  • Notify your banks and other financial institutions of your travel dates and destination if you plan to use one of their debit or credit cards on your trip.
  • Limit the amount of personal information printed on your checks, including phone numbers.
  • Always keep your debit and credit cards in a safe and secure place. Report lost or stolen checks and debit or credit cards immediately. Never give your credit/debit card number over the phone unless you initiated the call. Old debit and credit cards should always be cut up and discarded when you receive a replacement.
  • Never allow a cashier, or anyone else, to enter your PIN for you, even if assisting you with a transaction.
  • If any ATM looks like it has been tampered with (loose parts, extra attachments, etc.) do not use the machine. It could be a “skimmer,” which is used to copy identifying information from the magnetic strip on the card.
  • Do not use machines that claim to clean, re-magnetize or renew your card.