About your new accounts

Your credit card accounts transitioned to UMB, and new UMB-branded cards were issued to your active cardholders to replace old cards.

Share this page and the information below with your active cardholders.

Credit card action items:

  • Confirm that merchants that you have authorized for recurring payments have your updated credit card information.

  • Confirm bill payments are setup as intended.

  • Confirm you can access online banking.

  • Download our online banking mobile app.

  • View transactions and statements in eZBusiness and/or Visa Spend Clarity.

  • Redeem accumulated rewards.

  • Update your ACH Positive Pay/ACH Filter as needed.

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Important account information

UMB-branded cards were issued to all active cardholders to replace old cards.

Please communicate this information to your active cardholders:

  • Begin using your new UMB-branded card and destroy your current card.
  • Your card number, expiration date, and CVV code changed.

  • You can also add your card to a digital wallet to make purchases at participating stores and within the Apple Pay®, Google Pay®, or Samsung Pay® apps.


Client Advisor Support is available by calling 855-698-8050, option 7, option 2.

Outstanding balances

Outstanding balances on your current business card account as of July 12, 2025 were transferred to your new UMB Visa Business Signature card and will reflect on your new UMB statement as “HTLF Balance Transfer – Purchase.”

July payments

Please make your scheduled July payment as disclosed in your July HTLF statement.

  • Check or scheduled automatic payments: When your payment is received, the payment will be applied to your balance and reflect on your new August 2025 UMB statement.
  • Online banking payments: Any payment made through online banking will need to be made through UMB.

August payments

For your August 2025 UMB statement, the balance owing will reflect:

  • The “HTLF Balance Transfer – Purchase”
  • “HTLF Balance Transfer – Finance Charge” and “HTLF Balance Transfer – Fee” owing through October 11
  • Any payment you made to your account prior to the statement cut
  • All transactions that occurred with your new UMB card from July 14 through the statement cut

Statements

You will receive a final HTLF statement in August for informational purposes only, and it will show all transactions that occurred since your last statement through July 12. All balances and scheduled payments due will be reflected in your August UMB card statement.

Your new UMB statements will cut on the first day of each month, with the first billing statement cutting on August 1. Your scheduled payment will be due 26 days later. UMB will convert your existing Automatic Payments and carry them over with your next billing statement using the scheduled due date, and no action is required on your part.

Please review the materials sent to you in early June for available payment methods.

Online account management

Based on your current online account management needs, your card program will be granted access to either Premier Business Online Banking or Online Banking.

Please refer to the chart below or your welcome letter delivered in early June to determine your card program access.

Current Product Current Online Platform New Product New Online Platform
Visa® Small Business Card eZBusiness and Online Banking Visa Signature® Business Rewards card Premier Business Online Banking
Visa® Small Business Card eZBusiness-only Visa Signature® Business Rewards card Online Banking

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UMB Premier Business Online Banking to manage your card program. To support a smooth conversion, take the following actions:

  1. Visit UMB.com/business-online-banking to log into the platform
  2. Bookmark the Business Online Baking Help Center for additional resources such as user guides.

Download the Mobile App:

Enroll in UMB Online Banking to manage your card program. Simply go to UMB.com to start:

  1. On the “Login” menu click Enroll.
  2. On the UMB Online Banking Enrollment page select “Business Credit Card” from the Account Type menu.
  3. Complete the required fields to enroll.

Download the Mobile App:

Rewards redemption

Your rewards provider has changed and your reward program through ScoreCard Rewards ended on July 13.

  • Your ScoreCard Reward program has ended, and you must redeem any accumulated points.

    • Redeem for non-statement credit rewards like travel, merchandise and more no later than August 31, 2025, at 11:59 p.m. CT

  • If you have individual cardholders, it is your responsibility to notify them of the ScoreCard Rewards changes.

Contact your banker or call us for questions or additional support by calling the number on the back of your card.

Card payments (ACH Positive Pay/Filter)

Update your ACH Positive Pay/Filter in online banking to continue autopayments on credit cards converted to UMB.

Most credit card autopayments will continue as they are set up today. However, if you use an ACH Positive Pay/Filter service on your bank account, you’ll need to update the filter to allow the UMB debit to post for payment, ensuring your payments continue. This account may be at UMB or another bank.

To update the filter, follow the steps for business credit cards:

  • If you pay your UMB card with a non-UMB checking account, update the filter to UMB Company ID 8470535472.
  • If you pay your UMB card with a UMB checking account, update the filter to UMB Company ID 8470535473.

Commonly asked questions

For Visa Signature Cards, UMB will attempt to update merchants you’ve authorized to store your credit card payment information with your new UMB credit card information.

However, this won’t apply to all merchants. You should follow up with authorized merchants and provide your new UMB credit card number to ensure that your payments continue to process uninterrupted.

Questions on a specific account or service?