Help Center
If it is your first time logging into your Optum Financial account for commuter, HSA, and/or FSA benefits you access through Justworks, you will first need to register for an account.
How do I register for my Optum Financial account?
You’ll only need to create an Optum Financial account once and you’ll manage your benefits from the same employee dashboard. However, the steps to register can slightly vary, so please follow the instructions below. If you have trouble registering and need immediate assistance please contact Optum Financial Customer Service at 1 (877) 292-4040 or email of-service@of.optum.com .
Enrolling and registering your commuter benefit
Before setting up your Optum Financial accounts, you’ll need to enroll and set up your benefits in your Justworks account first.
Enrolling in commuter benefits on Justworks
Step 1: Login to Justworks and go to benefits on the left hand side.
Step 2: From there go to ancillary benefits at the top and then commuter. Select “Enroll.”
Step 3: Click on the “Enroll now for free.”
From there you will be taken to the Optum Financial registration screen to complete setting up your account and begin placing orders.
Registering your commuter account with Optum Financial
After you’ve completed setting up your benefits in your Justworks account you’ll be taken to the registration page.
If you already have an Optum Financial/Justworks benefit card from another benefit (FSA/HSA), you should activate your card and then input the card number along with the other requested fields and Submit Information.
If you do not already have an Optum Financial benefit card you should click the blue link labeled "I have a Commuter account".
On this page you will be asked for your Social Security number, date of birth, and zip code in order to register your account.
Please be sure that the information you are inputting matches the information that is recorded in Justworks.
Enrolling and registering your FSA/HSA benefits
Enrolling in FSA or HSA on Justworks
Step 1: Login to Justworks and go to benefits on the left-hand side.
Step 2: From there go to health benefits at the top and then Flexible Spending Account or Health Savings Account. Click “Enroll.”
Step 3: Complete the steps in setting up your contributions.
Step 4: You’ll receive an email with instructions on how to complete the Optum Financial registration process and setting up your account to begin managing your account.
NOTE: You can only sign up for an FSA during new hire open enrollment or during FSA open enrollment towards the end of the year. You can enroll in an HSA at any time if you are enrolled in a qualified high deductible healthcare plan.
Registering your Optum Financial FSA and or HSA
After you’ve completed setting up your benefits in your Justworks account and you’re ready to register for your Optum Financial account, you’ll be taken to the registration page.
You will be asked for your:
- Date of birth
- Last four digits of your Social Security number
- Zip code of your mailing address in Justworks
Please be sure that the information you are inputting matches the information that is recorded in Justworks.
The screen also includes a field for a payment card number and a checkbox that says My Account Does Not Have A Payment Card Associated With It.
If you have signed up for FSA or HSA benefits with Optum Financial:
- You will need to wait for your payment card to arrive in the mail before you can complete HSA/FSA registration. You should receive it within 5-7 business days of the start of your plan.*
- After you complete registration, you’ll be able to set up a username and password and place your order.
*to receive your benefit card for your HSA you must first pass CIP. To learn more about CIP please visit our Help Center Article here.
Having trouble registering your account?
If you have tried the steps above and are having trouble registering and need immediate assistance please contact Optum Financial Customer Service at 1 (877) 292-4040 or email service@of.optum.com.
What if I already have an Optum Financial account?
If you already have an existing Optum Financial account from a previous employer you will still need to go through the new registration and set up a new account.
Any existing balances you may have from a previous employer that was not with Justworks should be spent down as it will not be able to transfer over to the Justworks account. If your previous and current employer both utilize Justworks, please contact us with assistance in transferring existing balances.
Disclaimer
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.