About your new debit card
Once you receive your new card:
Follow the activation instructions included with your new card.
Begin using your new UMB debit or ATM card, and destroy your old card.
Add your new UMB card to your mobile wallet.
- Remove your previous debit card from your mobile wallet.
Debit card benefits
With your contactless UMB debit card, you can tap, dip or swipe to pay, and you can manage your card in UMB Online and the UMB Mobile app:
Create and update card alerts
Set travel notifications
Establish card controls (includes toggling cards on/off)
Request a new debit card
Reset a PIN
Call the number on the back of your current card for assistance in managing your debit card.
Important fraud reminder
Scammers often try to exploit business transitions, like acquisitions and mergers. Please remember: We will never contact you to request or confirm confidential information or request a video call, and we’ll never ask for sensitive data like PINs, usernames, passwords or access codes. If you suspect fraud, contact your current customer service team immediately.
Commonly asked questions
You should follow up with all authorized merchants to confirm they have your new UMB debit card number and ensure that your payments continue to process uninterrupted.
You received a UMB business debit card if you used your old card to make purchases and withdrawals from your checking or money market account.
You received a UMB business ATM card if your account converted to a UMB savings product. Your UMB ATM card can only be used for ATM transactions, including withdrawals and balance inquiries.
You can use your new UMB debit card to make purchases in-person, online, over the phone or by mail order—anywhere Visa® is accepted.
Your debit card will include contactless chip technology. When making an in-person purchase, you can use your card to tap, dip or swipe. You can also load to Google Pay™, Apple Pay®, Samsung Pay and Garmin Pay to make debit card purchases from your mobile wallet.
UMB has worked to ensure that your card limits are equal to or greater than those currently in place. However, you received a UMB ATM card if your old debit card was associated with a savings account. UMB ATM cards can only be used at an ATM.
We use various card authorization limits to protect you, the cardholder. We use a combination of single transaction limits and daily dollar limits, which are disclosed on the card mailer to which your UMB business debit or ATM card was affixed.
Your transaction will decline if you have insufficient funds in your deposit account to authorize the transaction successfully.
Any time you request a new physical card or report your current card as lost or stolen, we can send a text message with a link to add a UMB debit card to your Apple Pay or Google Wallet. You can use your digital debit card immediately while you wait for your physical card to arrive in the mail and any time after.
Once you have a physical card in-hand, you can add it directly to your mobile wallet app by manually entering your card payment information. Load your UMB card directly to Apple Pay, Google Wallet, Samsung Pay or Garmin Pay.
