Banking that keeps pace with healthcare

The healthcare industry continues to undergo significant transformations, with increased focus on efficiency, cost reduction and patient satisfaction. Financial management is critical for providers to successfully manage their practice and invest in these improvements.

Healthcare providers face unique challenges including:

Delayed reimbursements
Unpredictable cash flow
Rising operational costs

Traditional business money market accounts are designed for general businesses. They’re not meant to serve organizations navigating complex payer systems and high-volume transactions.

The Optum Financial^® Money Market Deposit Account delivers banking built for healthcare.

Get paid faster

Accelerate your receivables and cash availability in the fast-paced healthcare sector.

2-day settlement: Get paid faster than traditional banking timelines.

Improved liquidity: Quicker access to funds supports payroll, supply chain needs and strategic investments.

Healthcare focus: Our money market deposit account (MMDA) is designed for provider payment cycles, not generic business banking.

Maximize returns

Say goodbye to fees and average yields.

Market-leading APY: Introductory rate significantly outpaces national averages and top competitors (rate of 3.5% compared to average .62% APY).

No monthly maintenance fees: Unlike many business accounts, you keep every dollar earned.

Healthcare advantage: Designed for organizations with large, cyclical cash flows so you can turn downtime into opportunity.

Manage with ease

Control your finances and care flow seamlessly.

Digital integration: Our account management is fully integrated into your existing financial workflows. And we tailor our reconciliation tools to the way your healthcare organization operates.
Ease of access: We offer flexible management through our platform.
Error reduction: Automated processes minimize manual entry and compliance risk.