About your new card

Your new UMB debit or ATM card will arrive by early July. You should activate your UMB card as soon as it arrives; however, you will need to wait until Monday, July 14, to begin using your new card. On July 14, start using your new UMB card, stop using your old card and destroy it.

Once activated, add your card to your mobile wallet for seamless payments after conversion.

All personal banking customers:

  • By early July – Look for your UMB debit or ATM card to arrive and follow the activation instructions included. You can start using your new card after conversion weekend.

  • Make note of any third parties that store your current debit card number for automatic payments.

  • Download the UMB Mobile Banking app from the app store for your mobile device to be ready for your first-time access on July 14.

Once you receive your new card:

  • Follow the activation instructions included with your new card.

  • Continue to use your current debit and ATM cards through Sunday, July 13.

  • On July 14, start using your UMB debit or ATM card, stop using your old card and destroy it.

  • Add your new UMB card to your mobile wallet.

Debit card conversion availability 

  Friday, July 11 Saturday, July 12 Sunday, July 13 Monday, July 14
Using your debit card Your current debit card Your UMB debit card
Make a purchase Available Available Available Start using your new UMB card and destroy your old card
Visit an ATM (withdrawal, balance inquiry) Available Available Available Start using your new UMB card and destroy your old card
Managing your debit card Your current debit card Your UMB debit card
Activate a new card Available Available Available Follow the activation instructions included with your new card
Request a new card You may request a UMB card if one wasn’t received by contacting the UMB Service Center You may request a UMB card if one wasn’t received by contacting the UMB Service Center You may request a UMB card if one wasn’t received by contacting the UMB Service Center Available through the UMB Service Center, UMB Online and Mobile Banking
Request a replacement card Unavailable Unavailable Unavailable Available through the UMB Service Center, UMB Online and Mobile Banking
Report a lost/stolen card Available Available Available Available
Change your address Available Available Available Available
Request account maintenance Available Available Available Available
Report transaction disputes Available Available Available Available

Swipe left or right to view table on mobile

Call the number on the back of your current card for assistance in managing your debit card.

Debit card benefits

With your new contactless UMB debit card, you’ll be able to tap, dip or swipe to pay, and you can manage your card in online and mobile banking:

  • Create and update card alerts

  • Set travel notifications

  • Establish card controls (includes toggling cards on/off)

  • Request a new debit card

  • Reset a PIN

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

UMB will make every effort to update merchants that you’ve authorized to store your debit card payment information with your new UMB debit card information.

However, this won’t apply to all merchants. After conversion weekend, 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’ll receive a UMB debit card if you use your current card to make purchases and withdrawals from your checking or money market account.

You’ll receive an ATM card if you use your current card to make purchases and withdrawals from your savings account. 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.

Beginning July 14, you can call the number on the back of your new card or visit a UMB branch and one of our associates will gladly assist you. You can also see your pending debit card transactions in real-time in UMB Online and Mobile Banking and use this information to determine which card belongs to which deposit account.

UMB has worked to ensure that your card limits are equal to or greater than those currently in place. However, you will receive a UMB ATM card if your current debit card is 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 debit or ATM card will be 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.

Questions on a specific account or service?