Will dependent care flexible spending account (DC-FSA) funds be available on the Optum Bank debit card? Crystal February 28, 2021 21:05 Updated No. Those funds will not be loaded onto a debit card. For dependent care claims, you will need to file a paper claim with Optum Bank for reimbursement. Related articles How much can I contribute to my flexible spending accounts (FSAs)? What is the benefit of a dependent care flexible spending account (DC-FSA)?