File transmission through online banking

File transmission, commonly referred to as an SFTP or HTTPS upload/download connection, is a way to securely send files to UMB for processing. This could be either by an encrypted automated process or by uploading directly to the bank via the secure HTTPS website.

Both file transmission options require your company to identify a technical contact to work with UMB. If you currently use file transmission, a UMB migration/conversion specialist will contact you to help with this transition.

SFTP is a direct mainframe-to-mainframe connection between your company and UMB. HTTPS is a single link you can use to upload your file through Premier Business Online Business under Advanced Payments. Both SFTP and HTTPS requires a UMB specialist to set up your company for this service.

File transmission connections are commonly used for the following product types:

  • ACH
  • Check Positive Pay
  • Image Cash Letter
  • BAI2 data files
  • ACH Return and NOC reporting

ACH File Confirm and HTTPS site

Customers will be able to manage ACH file uploads and confirm ACH files through a single sign-on within Premier Business Online Banking.

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.

Questions on a specific account or service?