How to identify suspicious activity

Time is of the essence when you notice suspicious activity on any of your accounts. Act fast when your personal information gets compromised.

Remember that Optum® or Optum Bank® will never contact you by email to ask for personal information, such as your name, address, date of birth, Social Security number, PIN, account number, login ID or debit card number. If you receive an email or phone call asking for your login information, hang up immediately and call the phone number listed on the back of your card.

Please click on each item below for additional information.

Debit or credit cards

  • Debit or credit card suspicious activity can appear in the form of unauthorized transactions including, but not limited to, duplicate charges. Credit or debit card fraud can occur after a card is stolen or if the card information (including your account number) is stolen.

  • Optum Bank monitors accounts for suspicious debit card activity, but it is important for you to frequently check your transactions as well.

  • When you notice any suspicious debit or credit card activity, please report it immediately.


  • Check fraud includes altered checks (when amount is changed on the check), counterfeit checks and/or forged checks. Keep track of all your checks and the amount they are written for.

  • Make it a habit to monitor your account regularly and ensure cashed checks are charged to your account for the correct amount. Do not endorse your checks until you are ready to deposit them.

Phone calls

  • Deception through phone scams is on the rise. They appear in many different forms. Most scams usually sound too good to be true or purport to have an urgent situation requiring immediate action for which you need to provide some personal data.

  • The scammer will encourage you to “act now” and encourage you to share your account information. Just hang up the phone. Also watch out for free giveaways, fake charities, individuals posing as the IRS, loan applications and credit card scams.

Identity theft

  • Identity theft is when someone uses your personal information (your name, Social Security number or credit card number) without your consent to commit fraud or other crimes.

  • You can spot identity theft on financial documents such as credit report and credit card statements. Look for charges that you didn’t make — even if it’s a small amount. Also be on the watch for accounts that you did not open.

Phishing/email/text messages

  • Phishing is commonly a two-part scam. It often involves email or text messages that contain links to fake websites. These sites request 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.

  • Stay alert for phishing emails as they are becoming more sophisticated and difficult to distinguish from legitimate emails. On the surface it will seem like you’ve received an email from a reputable company. Watch out for clever and compelling language like, “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).
    • A phishing email may contain spelling and spacing errors. Keep an eye out for that.

Ask yourself if the email seems different from other emails you have received from Optum® or Optum Bank® in the past? If the answer is yes, do not click on any links, and please report the email immediately to

Fraud E-mail