OPTUM BANK, INC.
BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.49PER 1,000 CUSTOMERS
Sector median 0.48 · Lowest in dataset 0.21
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: DIRECTIONAL · n=780 complaints over 14 years
Customer ratio
1 in 2,056
customers filed a federal complaint
Resolved with relief
2%
received monetary or non-monetary relief
Daily volume
0.4
complaints per day · 2011–2025 average
2.3× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.0× the sector median.
24-month trajectory · monthly complaint rate
SECTOR MEDIAN24MO AGOTODAY0.0180.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.38/1k
615
Money transfers
0.08/1k
121
Credit cards
0.02/1k
38
TOTAL COMPLAINTS
780
2011–2025
YEAR-ON-YEAR
↑ 13%
above baseline · 0.02
RESOLUTION RATE
2%
below CFPB median
SHADOW RATE
~10/1k
directional
FEDERAL CONSENSUS
0 / 6
no active records
5 nearest rates in scored dataset
EVERBANK, NATIONAL ASSOCIATION
0.45/1k
KEYCORP
0.48/1k
▸ OPTUM BANK, INC.
0.49/1k
JPMORGAN CHASE & CO.
0.53/1k
POPULAR BANK
0.54/1k
Complaint Coach
File with CFPB
Exit Guide
Move accounts
Compare
Other institutions
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

OPTUM BANK, INC. is a low-risk institution based on federal complaint data.

At 0.49 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small.

→

Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Most common words in federal complaints about OPTUM BANK, INC.
fundscheckhsamoneyaccessneveragainxxxxyearemployertimes
Extracted from 427 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customers0.49/1k
Total complaints (2011–2025)780
Year-on-year change+13%worsening
Timely response rate98.1%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.33%✓ healthy
Tier 1 capital ratio17.0%✓ adequate buffer
Loan loss reserve ratio0.81%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account60%
Closing an account11%
Problem with a lender or other company charging your account4%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›