Passkeys: A faster, more secure way to access your benefits across mobile and desktop.
Passwords and one-time codes can be hard to remember—and easy for fraudsters to steal. Today’s cyberthreats call for smarter protection that works with your everyday life.
That’s why HealthEquity is leading the way, requiring passkey authentication for account access.
Passkeys are built into your device and let you sign in the same way you unlock your phone: using your fingerprint, face, or device PIN. They’re phishing-resistant, fast, and tied directly to your device—giving you peace of mind with every login.
Check out our quick video about passkey.
Videos are representative. If you have benefits on EZ Receipts you will see the EZ Receipts brand throughout.
You’ll be notified when it’s time to set up your passkey.
When passkey login becomes available for your account, you’ll receive an email with setup instructions. The next time you log in–on mobile or desktop–after your wave’s go-live date, you’ll be prompted to complete the set up.
How to get ready for passkey
The phased rollout of passkey login will begin this fall and extend through early 2026. You will receive an email when it’s time to create a passkey. And you’ll see the prompt right at login.
To make the transition as smooth as possible, these are a few steps you should take right now:
#1 Add your phone number to avoid getting locked out.
Log in to your online account (on desktop) to add or update your phone number. It’s required to set up passkey.
Important: If you don’t have a verified phone number on file you’ll be locked out.
If you haven’t set up your account(s) yet, visit our login help page to get started.
#2 Get our mobile apps.
If you haven’t already, you’ll need to download HealthEquity Mobile or EZ Receipts Mobile or both— depending on your plan.2
You’ll need a unique passkey for each app. So if your plan uses both apps, please be sure to download both now. Your EZ Receipts account must be activated online before using the EZ Receipts Mobile app.
Mobile passkey authentication
When required, you will need the HealthEquity Mobile app or the EZ Receipts Mobile app1, or both, (depending on your plan) to set up a passkey and access your accounts—on mobile and web.2
Both apps offer the simplest, most convenient way to manage benefits:
- Track balances, claims, and reimbursements
- Submit claims and manage payments on the go
- Access all your accounts
- Real-time alerts and notifications
Our apps don’t just get you in, they keep you informed, in control, and connected wherever you are.
Why passkey is better: a smarter, more secure future
Once enabled with passkey, your login experience will include:
- No more passwords or one-time codes
- Built-in security with fingerprint, face scan, or PIN
- Seamless login across mobile and desktop—with one secure passkey.
Passkeys are backed by the same technology standards trusted by top financial and tech institutions. You get stronger protection without added complexity; just secure, simple access to your benefits.
Fraud prevention is a team effort. Monitor your account regularly and report any unusual activity as soon as you see it.3
For more information, please visit our Fraud and Security page.
Frequently Asked Questions
How do I set up a passkey? After passkeys are turned on for your account, you’ll be prompted to set one up the next time you log in. You won’t be able to access your account until passkey set up is complete—but it’s fast and simple to do. Here’s how:
1. Download the mobile app. Download the HealthEquity Mobile app or the EZ Receipts app to get started. You must register with EZ receipts online before using the app.2
2. Enter your username and password. Begin by entering your username and password. Security checks run behind the scenes to keep your information safe.
3. Verify Your Identity. Select a verification method (text or voice call) to receive a one-time passcode, then enter the code to confirm your identity.
4. Create Your Passkey. Your device will prompt you to set up a passkey using built-in security like Face ID, fingerprint, or device PIN.
5. You’re in! Once set up, your passkey will be saved for future logins—fast, secure, and password-free.
Check out our mobile passkey how-to video.
Check out our desktop passkey how-to video.
Can I opt out of using a passkey? No. Once passkey login is rolled out to your account, you’ll need to use it to access your benefits—either through the mobile app or on the web. Traditional login options won’t be available.
When will I be required to use the mobile app and passkey to access my account? The phased rollout of passkey login will begin this fall and extend through early 2026. When passkey login becomes available for your account, you will receive an email with setup instructions. The next time you log in—on mobile or desktop—after your wave’s go-live date, you’ll be prompted to complete the setup. You’ll need to set up your passkey using the HealthEquity Mobile app or EZ Receipts app (or both, depending on your plan) to access your account and for all future logins.2
Will my devices and browsers support passkeys?
- Mobile: iOS 16+ (Safari), Android 9+ (Chrome)
- Desktop: Windows 10+ (Edge/Chrome), macOS Ventura+ (Safari/Chrome), ChromeOS 109+
- Browsers: Safari 16+, Chrome 109+, Edge 109+, Firefox 122+
As long as your iPhone or Android phone is running a recent operating system version (iOS 16+ or Android 9+) and has screen lock/biometric authentication enabled, it should support passkeys.
How do I know what software version my phone is on?
Find the software version on your iPhone, iPad or iPod touch through Apple Support. Check and update your Android version with Android Help.
What if my device doesn’t support passkeys?
Most smartphones support passkeys. If yours doesn’t, you can still set up a passkey on a supported laptop, desktop or tablet computer. HealthEquity offers multiple authentication options to ensure accessibility. See the HealthEquity Digital Accessibility Statement. However, managing benefits on mobile is faster and easier than logging in online, start by downloading our mobile apps (based on your plan), which provides the easiest and most secure access.
Need help setting up your passkey?
Check out our Login Help page and Help Center to get started.
Still need help? Call 1-844-373-6979 to get passkey and login support.
You can read all of our passkey FAQs in our Help Center.
HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.
1 Accounts must be registered with EZ Receipts online before using the app.
2 Passkey set up is also available online using a desktop, laptop or tablet computer. A valid phone number is required to register a passkey. HealthEquity offers multiple authentication options to ensure accessibility and compliance with applicable laws. See our HealthEquity Digital Accessibility Statement.
3 For HSAs, accountholders must report any unauthorized activity within 60 days of statement posting.
For employer-sponsored plans (e.g., FSAs, HRAs), HealthEquity serves as a directed TPA. Different responsibilities may apply. Please consult your plan documents.
Review your HSA transactions online regularly, and your HSA statement monthly. Tell us immediately if your card is lost or stolen, or you see unauthorized transactions, by calling 1-866-346-5800.
You must notify us no more than 60 days from the time the HSA statement is made available.
Why 60 days? Fraud prevention is a collective effort. Recovery of funds is not guaranteed. The sooner you notify us, the more likely that funds can be recovered on your behalf.
As noted in your HSA Custodial Agreement, failure to report unauthorized transactions within 60 days means you have accepted the transactions, they might not be eligible for reversal, and you could be responsible for the transactions.
For more information, please visit our Fraud and Security page.
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