About your new accounts

Your personal checking and savings account(s) are transitioning to UMB during conversion weekend, July 11-13. All account changes are effective July 14. Please review the important account information you received in early June, including your account disclosures and fee schedules. 

Important account and service information

If you’re currently enrolled in online banking, you’ll automatically be enrolled in UMB Online Banking.  Beginning July 14, you can set up your online account access in UMB Online Banking at UMB.com or in the UMB Mobile Banking app, available to download in the app store for your device.

Either online or in the app, enter your existing online banking user ID, then follow the prompts for a first-time login.

After you complete your first-time login, your user ID and password will be the same for UMB Online and Mobile Banking.

For details about how to set account preferences, connections to personal financial management tools, Intuit® integration and more, visit our online banking resources.

You’ll receive your new UMB debit or ATM card in the mail by early July. You can follow the activation instructions included with your card when you receive it. However, you need to continue to use your existing card through July 13.

On July 14, start using your new UMB card, stop using your old card and destroy it.

No changes are needed for direct deposits and preauthorized electronic payments (ACH). However, your preauthorized debit card transactions may require that you provide merchants with your updated debit card information after conversion weekend.

Recurring, automatic payments from your account and account transfers set up before July 11 will carry over to UMB.

Daily cutoff times for transaction processing at UMB may vary from your current cutoff times. Additionally, some incoming deposits from external transfers may take up to five business days to appear in your account.

For more information, read the Funds Availability Policy in your UMB Deposit Account Agreement, which you received in early June, and visit our online banking resources.

If you currently receive a combined statement for all your accounts, you will begin receiving individual account statements after conversion weekend.

While you’ll have an individual statement for each of your accounts, you can download and save statements collectively from UMB Online Banking.

Your existing statement delivery preferences (eStatements or paper) will carry over to UMB. After conversion weekend, you can update your delivery preferences anytime in UMB Online Banking.

Off-cycle statement  

Shortly after conversion weekend, you’ll receive an additional statement for your deposit account (outside of your normal statement cycle). This additional statement will note transactions posted to your account through Friday, July 11. You’ll receive your next statement as usual, noting transactions from July 12 through the remainder of your normal statement cycle.  

Off-cycle interest credit  

On Friday, July 11, you’ll receive an interest credit to your deposit account for interest earned from your last interest credit through July 13. This will be the amount of interest not yet paid during your monthly interest cycle. After this credit, you will receive credited interest according to your normal interest cycle.

Most customers will keep their same deposit account numbers. If you require a new deposit account number before conversion weekend, we will contact you directly with instructions.

Additionally, most customers do not need to update checks or recurring direct deposits or payments to the UMB routing number at this time. If it is necessary for you to switch to the UMB routing number before conversion weekend, we will contact you directly with instructions.

For the majority of customers, you can continue to use your existing payment instructions for incoming wire transfers. If you do need to change your incoming payment instructions, you will receive a separate communication providing further instructions. Starting July 14, to initiate phone-in wires please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

Continue to use your existing supply of checks until it runs out. Beginning July 14, you can submit an order in UMB Online Banking, at a UMB branch or directly at Deluxe.com when you’re ready for a new supply.

Before conversion weekend, most branches will remain open and available during their regular business hours. We’ve already notified customers in areas where there will be exceptions.

After conversion weekend, visit locations.UMB.com to find a UMB branch near you.

Checking Accounts

Your current checking account determines your new account. Review our comparison chart for more account features. View your current account statement for your current account type.

Current Account Type New UMB Account Type
Check-Free Banking UMB Check-Free Banking
Free Checking with eStatements UMB Free Checking
Platinum Checking UMB Platinum Checking
Signature Series Checking UMB Select Checking

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Savings and Money Market Accounts

Your current account determines your new account. Review our comparison chart for more account features. View your current account statement for your current account type.

Current Account Type New UMB Account Type
Savings Accounts
High Yield Savings UMB Premium Savings
Platinum Savings UMB Retail Money Market
Signature Series Savings UMB Retail Money Market
Statement Savings* UMB Savings
UMB Youth Savings
Money Market Accounts
Money Market UMB Retail Money Market
Premium Money Market UMB Premium Savings

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*​Statement Savings Accounts transitioning to UMB Youth Savings Accounts: Customers under the age of 18 are eligible. Once a UMB Youth Savings account holder reaches the age of majority as defined by state law (typically 18 years of age), UMB may require that the account is transitioned from the UMB Youth Savings account to a different savings account.

Private Banking Accounts

Your current account and account officer determine your new account. Review our comparison chart for more account features. View your current account statement for your current account type.

Current Account Type New UMB Account Type
Platinum Checking UMB Private Banking Checking
Signature Series Checking UMB Private Banking Checking
Platinum Savings UMB Private Banking Money Market
Signature Series Savings UMB Private Banking Money Market

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Time Deposit Accounts (Certificates of Deposit)

At UMB, your Certificate of Deposit (CD) is referred to as a Time Deposit Account (TDA). Your interest rate, annual percentage yield and term will remain the same. View your current account statement for your current account type.

Current Account Type New UMB Account Type
Certificate of Deposit Time Deposit Account
Roth IRA Certificate of Deposit Roth IRA Time Deposit Account
Traditional IRA Certificate of Deposit Traditional IRA Time Deposit Account

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All time deposit investments are subject to the UMB time deposit agreement and early withdrawal penalties. Unless additional instructions are received, all future contributions shall be invested or reinvested for the same term at the prevailing rate for that term. 

IRA Money Market / Savings Accounts

Your current account determines your new account. View your current account statement for your current account type.

Current Account Type New UMB Account Type
Traditional IRA Money Market / Savings Account UMB Traditional IRA 18-Month Variable Time Deposit Account
Roth IRA Money Market / Savings Account UMB Roth IRA 18-Month Variable Time Deposit Account

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The interest rate and annual percentage yield (APY) may change monthly. The interest rate on this account will be adjusted monthly to reflect the prior thirty (30) day running average rate of interest paid on 90-day U.S. Treasury Bills. A minimum of $100 is required to open this account. Interest on the account will be credited to the account and compounded monthly. There are no limits on the number or amounts of deposits that may be made to the account.

All time deposit investments are subject to the UMB time deposit agreement and early withdrawal penalties. Unless additional instructions are received, all future contributions shall be invested or reinvested for the same term at the prevailing rate for that term.

Please refer to your agreement and disclosures for more information.

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

The conversion weekend, July 11-13, only impacts accounts and services with Minnesota Bank & Trust. If you bank at a different division of UMB, stay tuned for information about your system conversion in October 2025.

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.

Continue to use your existing supply of checks until it runs out. Beginning July 14, you can submit an order in UMB Online Banking, at a UMB branch or directly at Deluxe.com when you’re ready for a new supply.

With the conversion, up to 19 months of deposit account statements and transaction history from your current online banking will carry over to UMB. While history will be available when you first log in, the most recent statement will be available shortly after conversion.  

For CDs, known as Time Deposit Accounts (TDAs) at UMB, your interest rate, annual percentage yield and term will remain the same.

The phone number for the UMB automated phone line is 800-860-4UMB (800-860-4862); you can call this line for service beginning July 14. The password you will use the first time you call will be the last four digits of your Social Security number. You will then be required to set a new password.

Deposit insurance protection covers funds on deposit in any checking, savings (including money market savings account) or time deposit accounts maintained with UMB.

For detailed information about your coverage, visit fdic.gov/resources/deposit-insurance. This site provides tools and resources to help you determine your coverage.

Questions on a specific account or service?