FinFit® Frequently Asked Questions

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  • Who is eligible to use the financial wellness resources?

    All Optima Medicaid Members have access to an entire suite of financial wellness tools, all on one user-friendly platform powered by FinFit.

  • Is there a cost to me?

    There is no cost to members, these financial tools and resources are offered by Optima Health to Medicaid participants.

  • What can I use the financial wellness program for?

    No matter what stage of life you are in, whether starting a family, providing for yourself and loved ones, or planning for your future, this user-friendly program can help you achieve your financial goals.

    • Personalized Financial Assessment (different than your health assessment)
    • Recommended steps to achieve your financial goals
    • Educational courses and budget calculators to help you make smart financial decisions
    • Powerful tools to help you easily track your spending and create a budget
    • One-on-one financial coaching to help you set goals and make a plan
    • Savings accounts to help you establish a financial safety net for you and your family
  • Do I have limited times I can use the services?

    No, members can access 24/7 and as many times as they wish.

  • Who do I contact for questions or if I need help with my username and password?

    Contact Customer Service Support 800-869-6240 (dedicated line for Optima Health’s financial wellness program, powered by FinFit) Monday-Friday 8am-9pm E.T.

    Online Chat is also available


  • How do I log in?

    Log in through your member portal: Optima Member Portal Log In

    *One-time registration at is required to access your financial tools and resources

    Visit to register and log in.

  • What is the Spending and Savings Account?

    Spending & Savings Account is a full-featured, FDIC-insured deposit account that supports direct deposit, transfers between your spending & savings accounts and comes with a Visa® debit card that can be used anywhere Visa® is accepted.

  • How do I open a FinFit Spending & Savings Account?

    The application is simple and takes just a couple minutes to complete. No credit check required.

  • How much does it cost to open a FinFit Spending & Savings Account?

    Opening an account is FREE.

  • What is included with a FinFit Spending & Savings Account?

    Your FinFit Spending & Savings Account comes with a FinFit-branded Visa® debit card and a virtual card you can use for online purchases. The card offers a 0.50% cashback reward on all purchases made with your debit card, easy transfers to and from your spending and savings accounts, and the ability to set a savings goal and track your progress.

  • How much money should I have in an emergency savings account?

    We recommend that members have at least $950 in a dedicated emergency savings account. This may take some time to establish, but setting aside a little bit each month is what’s most important.

  • What number call I call for help with my Spending and Savings account VISA?

    • Visa debit card services 1-833-333-0417
    • Card & PIN Activation
    • Fraud Activity
    • Report your Card Lost or Stolen
  • When do I receive my card after I have activated my account?

    After you open a Spending Account, we get started on personalizing your new Visa Debit Card (powered by FinFit). Your Visa Debit Card is usually placed in the mail within one (1) business day after you open your Spending Account. It can take 7 to 10 business days for your FinFit Visa Debit Card to arrive at your home address.