# Track your Optum HSA contributions from your own systems

> Read your HSA contribution requests on the Optum employer portal, with their status, projected effective date and invalid transactions, in one API call. A workflow can check the Pending Approval tab before the 3:30 p.m. ET cut-off and report what got funded.

Page: https://fous.com/automate/optum-financial-employer-portal
Updated: 2026-11-12

Works with your own Optum Financial employer portal account. Fous is an independent product.

## What you can build on the Optum employer portal

### Get contribution request statuses

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

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

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

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](/product/workflows) 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

Starts: Every Wednesday at 12:00 Eastern time

1. Get the contribution requests on the Pending Approval tab.
2. Stop when there are none.
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

Starts: Every weekday at 18:00 Eastern time

1. Get the contribution requests on the Funded tab.
2. Keep the requests that were not there on the last run.
3. Post contribution name, funding account, effective date and deposit total to your payroll or accounting webhook.

### Requests with invalid transactions

Starts: Every weekday at 9:00 Eastern time

1. Get the contribution requests on the Approved tab.
2. Keep the ones with an amount under Invalid Transactions that changed since the last run.
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](/product/methods), 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.

Example request:

```
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"
    }
  }'
```

Example response:

```
{
  "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.

| Option | What it covers | What it takes |
| --- | --- | --- |
| PPD ACH transmission | A PPD ACH from your own bank carries the funds. Optum Bank posts them on the day of receipt if received before 3 p.m. Eastern time. | ACH origination from your own bank. All PPD ACH contributions post as current year. |
| Combined sum ACH or wire | A .csv contribution allocation file by secure email, validated within one business day, plus one ACH or wire for the total. | Both the .csv file and the funds are required before the contributions post. |
| Account Number File (ANF) | Names, Social Security numbers, account numbers and statuses of your group's accounts. | Sent by secure email to approved contacts only: daily, weekly, semi-weekly or monthly. |
| The Optum employer portal by hand | Contributions entered online or uploaded as .csv, requests and approvals, participants and reports. | The Submit Contributions and Approve Contributions roles. Online entry is for groups under 500 accounts. |

Read on November 12, 2026: [Health savings account contribution guide](https://www.optum.com/content/dam/optum/consumer-activation/unknown/Optum_Bank_Contribution_Guide.pdf), [Optum for Business sign-in](https://business.optum.com/en/sign-in.html).

## 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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## Frequently asked questions

### Does the Optum Financial employer portal have an API?

No API is described in Optum's contribution guide. Employers use the employer portal, a PPD ACH from their own bank, or a combined sum ACH or wire with a .csv allocation file sent by secure email. Approved contacts can receive account numbers and statuses in the Account Number File by secure email.

### When do I have to approve HSA contributions for them to post on Friday?

By 3:30 p.m. Eastern time on Wednesday. Portal requests must be submitted and approved two business days before the projected effective date, and weekends and holidays do not count. Files entered after the cut-off are treated as submitted the next business day.

### Why does my contribution file show an amount under Invalid Transactions?

Those records have no active HSA on file. Funds are pulled only for active accounts, so those rows are not funded. The Invalid Transactions column links to a file of those records to review.

### How do I get my employees' HSA account numbers?

Through the Account Number File (ANF), sent by secure email to approved contacts. It lists names, Social Security numbers, account numbers and each account's status: Active, Closed, Pending or Physical address needed.

### Is Fous affiliated with Optum Financial?

No. Fous is an independent product. You use it with your own employer portal account, and a method reads and does only what that account can.

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of Optum Financial employer portal (Optum Financial). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.