Based on the users' reviews of OptumBank app on Google Play Store, here are three cons and three pros: **Cons:** 1. Inconsistent transaction tracking and incorrect account balances reported by some users. 2. Limited branch and ATM network availability for users in rural areas. 3. Technical issues and glitches leading to app crashes and login failures. **Pros:** 1. Easy account access and management through the app, allowing for seamless transactions. 2. Enhanced security features, including biometric login and encryption, provide peace of mind. 3. Competitive interest rates and low fees for banking services attract satisfied customers. Please note that these summaries are based on a general analysis of the user reviews and may not reflect the experience of every individual user.