Track your Optum HSA contributions from your own systems

What you can build on the Optum employer portal

• Get contribution request statuses

  Build this

  Reads one tab of Contribution Request Status & Approvals under Contributions: Pending Approval, Approved, Denied or Funded.

  Takes

  Tab (Pending Approval, Approved, Denied or Funded)

  Returns

  Contribution name, date approved, funded by account, projected effective date, requested contribution amount, invalid transactions, deposit total

• List accounts eligible for funding

  Build this

  Reads the participant table that Enter Contributions Online fills in with every active account, without submitting anything.

  Takes

  Nothing

  Returns

  Name, last four digits of the SSN, account number, previous contribution amount

• Get bank accounts used for funding

  Build this

  Reads Manage Bank Accounts under Contributions: the external accounts your group funds HSA contributions from.

  Takes

  Nothing

  Returns

  Account nickname, masked account number, account type

• Submit a contribution funding request

  Build this

  Fills in Enter Contributions Online with a projected effective date, contribution name, funding account and amounts per participant, and submits it for approval.

  Takes

  Effective date, contribution name, funding account, participant and employer amounts per account, contribution year

  Returns

  Contribution name, projected effective date, total requested, status

Automate the Optum employer portal with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Contribution requests waiting in Pending Approval

  Build this

  Starts

  Every Wednesday at 12:00 Eastern time

  Step 1

  Get the contribution requests on the Pending Approval tab.

  Step 2

  Stop when there are none.

  Step 3

  Email you each request's contribution name, projected effective date and requested amount, before the 3:30 p.m. ET cut-off.

• Funded contributions, posted to your payroll system

  Build this

  Starts

  Every weekday at 18:00 Eastern time

  Step 1

  Get the contribution requests on the Funded tab.

  Step 2

  Keep the requests that were not there on the last run.

  Step 3

  Post contribution name, funding account, effective date and deposit total to your payroll or accounting webhook.

• Requests with invalid transactions

  Build this

  Starts

  Every weekday at 9:00 Eastern time

  Step 1

  Get the contribution requests on the Approved tab.

  Step 2

  Keep the ones with an amount under Invalid Transactions that changed since the last run.

  Step 3

  Email you the contribution name, invalid amount and requested amount.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get contribution request statuses” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "eap.optumfinancial.com/get_contribution_request_statuses",
    "input": {
      "tab": "Approved"
    }
  }'

{
  "status": "completed",
  "data": {
    "tab": "Approved",
    "requests": [
      {
        "contribution_name": "NovPayroll1",
        "date_approved": "2026-11-10",
        "funded_by_account": "ACME OPERATING 4417",
        "projected_effective_date": "2026-11-13",
        "requested_contribution_amount": 18450,
        "invalid_transactions": 150,
        "deposit_total": 18300
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

The Optum employer portal’s own options

Optum's HSA contribution guide gives employers three ways to send contributions: the employer portal, a PPD ACH from your own bank, or a combined sum ACH or wire with a .csv allocation file sent by secure email. It describes no API. Approved contacts can receive account numbers and statuses in the Account Number File by secure email.

Read on November 12, 2026: Health savings account contribution guide, Optum for Business sign-in.

Signing in to the Optum employer portal

Optum lists this as the Optum Bank Employer Portal: its Employer Login asks for a User Name and Password, or you can sign in with a One Healthcare ID. With Fous you sign in once through that sign-in with your own account. The login is sealed with AES-256, code and AI agents never see it, and an expired session is signed back in.

Worth knowing

Submit and approve are two roles

A funding request is funded only after someone with Approve Contributions approves it. If one person holds both roles, the file is approved automatically and no email is sent.

3:30 p.m. ET on Wednesday for Friday

A request must be submitted and approved by 3:30 p.m. ET two business days before the effective date. The date can be no earlier than 2 business days and no more than 90 calendar days ahead.

Online entry stops at 500 accounts

Enter Contributions Online is for groups with fewer than 500 accounts. Larger groups use Upload a Contribution File in .csv format, which lists any formatting errors.

Only active accounts are funded

Records without an active account show under Invalid Transactions, with the file to download. A new file usually reaches the status screens within 20 minutes, and peak volumes can take several hours.

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