About your UMB account access
Your online and mobile account access is transitioning to UMB during conversion weekend, July 11-13. All changes are effective July 14.
Current action items:
By July 2 – Ensure your preferred Secure Access information is up to date in your online banking Settings. Go to Security Preferences and select Secure Delivery.
Download the UMB Mobile Banking app from the app store for your mobile device to have it ready to set up your first-time access on July 14.
Conversion weekend availability:
- July 11 – Current online/mobile banking available until 8 p.m. CT
- July 12-13 – Current online/mobile banking unavailable
July 14 – UMB Online and Mobile Banking available for first-time login
How to access UMB Online and Mobile Banking
After conversion weekend, your current online and mobile access will no longer work. Here’s how to get started with UMB Online and Mobile Banking:
Set up your online account access for the first time 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 to complete your first-time login. Note: When you first log in to the app, you’ll have the option to reestablish biometric (face ID or touch ID) authentication. You should delete your previous banking app at this time.
After you complete your first-time login, your user ID and password will be the same for Online and Mobile Banking.
Review your accounts, profile information, preferences, alerts, payments, scheduled and recurring transfers, payments to loans/lines of credit, Bill Pay payees and payments, etc.
Schedule new transfers and payments as needed.
Features and tools in UMB Online Banking
Security
Log in with finger ID and Apple® Face ID.
Transfer funds between bank accounts online and pay bills from your account.
Deposit checks from your phone for faster access to funds.
Efficiency
Manage and redeem credit card reward points.
View detailed account history, including credit card and loan transactions.
Set up custom account alerts for enhanced account monitoring and money management.
Control
Control your personal finances with Money Manager, a powerful tool that helps you track and manage your money.
Customize your online account dashboard by rearranging views and accounts and changing your theme.
Receive private account support through our secure message center.
Learn more
For more information on online banking, helpful resources and how-to videos, visit UMB.com.
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 details on access to funds, please review the UMB Online Banking Agreement.
- Security Preferences—Manage your user ID and password and enter your preferred email and/or phone number to receive secure-access codes for authentication.
- Statement Preferences—Select your preferred delivery for statements for your UMB checking or savings accounts. To go paperless, choose Electronic Delivery.
- Account Preferences—Personalize your experience with account nicknames, enable SMS/text banking or view account details.
UMB Online and Mobile Banking does not support Zelle®. Current users will no longer have access to Zelle® beginning June 27, 2025.
If you send wires in online banking, you will no longer be able to do so at UMB. You will have the ability to send wires by visiting your local branch, or as an authorized user via phone call.
UMB Mobile Banking
Easily manage your money from your mobile phone or tablet, anywhere, anytime, with UMB Mobile Banking.
Download the UMB Mobile app today to be ready for your first-time access on July 14.
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.
View system requirements and online banking and mobile banking terms and conditions.
Must have a bank account in the U.S. to use Zelle®. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Commonly asked questions
When you access UMB Online Banking at UMB.com or the UMB Mobile Banking app for the first time, follow the prompts to set a password. After you complete your first-time login, your user ID and password will be the same for Online and Mobile Banking.
Additionally, the first time you log in to Mobile Banking, you’ll have the option to reestablish biometric (face ID or touch ID) authentication.
Note: If you save your login credentials in a password manager for your current online banking access, you will need to reestablish this feature following conversion weekend.
If you currently receive electronic statements, you’ll continue to receive electronic statements from UMB.
If you don’t currently receive electronic statements, we’ll provide you with both paper and electronic statements by default. You can always update your preference to electronic statements-only if desired.
We provide individual statements for each of your accounts, rather than a combined statement.
Most account alerts set up before conversion weekend will carry over to UMB Online Banking. However, starting July 14, we do recommend reviewing alerts in your online account to make sure your settings and other information migrated correctly.
Note: Any account alerts you’ve set will not be sent while online banking is unavailable during conversion weekend (from 8 p.m. CT on July 11 until early morning on July 14).
