Personal Banking
Important account and service information
Download our Personal Banking Transition Guide as a helpful reference.
If you were previously enrolled in online banking, you’re automatically enrolled in UMB Online Banking. You can use your existing username to access UMB Online Banking at UMB.com and follow the prompts for a first-time login.
You can also download the UMB Mobile Banking app and log in with the same credentials you use for UMB Online Banking.
For details about how to set account preferences, connections to personal financial management tools, Intuit® integration and more, visit our personal online banking resources.
You can use the new UMB debit or ATM card you received in early July. Be sure to stop using your old card and destroy it.
Direct deposits to your account set up before July 11 have carried over to UMB.
If you have a loan or line of credit and make autopayments on a date other than on your payment due date, you do need to reset your autopayments if you haven’t done so already. Read more about loans and lines of credit in “Commonly asked questions” below.
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 June, and visit our online banking resources.
UMB provides individual account statements instead of a combined statement for all your accounts. You can download and save statements collectively from UMB Online Banking.
Your existing statement delivery preferences (eStatements or paper) have carried over to UMB. You can update your delivery preferences anytime in UMB Online Banking.
Off-cycle statement
Shortly after July 14, 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 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 July 11, you received an interest credit to your deposit account for interest earned from your last interest credit through July 13. This was the amount of interest not yet paid during your monthly interest cycle. After this credit, you’ll receive credited interest according to your normal interest cycle.
Most customers continue to use their same deposit account numbers. If you require a new deposit account number, 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.
Confirm you are using and continue to use the Minnesota Bank & Trust, a division of UMB Bank, n.a. routing number: 091018302.
If it is necessary for you to switch to the UMB routing number, we will contact you directly with instructions.
For incoming wires, continue using your existing payment instructions at this time.
Continue to use your existing supply of checks until it runs out. When you’re ready for a new supply, you can submit an order in UMB Online Banking, at a UMB branch or directly at Deluxe.com.
Your previous bank branches are now UMB branches, and most customers can continue working with the same banking team. We’ve already notified customers in areas where there are exceptions.
Visit locations.UMB.com to find a UMB branch near you.
Commonly asked questions
Can I continue using my current login ID and password?
Most customers can continue using the login ID they used previously (known as a “user ID” at UMB). If you require a new login ID, we will contact you directly with instructions.
When you access UMB Online Banking (UMB.com) 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 Banking and the UMB Mobile app.
Additionally, you have the option to reestablish biometric (face ID or touch ID) authentication the first time you log in to the app.
Please note: If you save your login credentials in a password manager for your current online banking access, you do need to reestablish this feature following conversion.
Can I continue to use Zelle® after conversion weekend?
Access to Zelle® in online and mobile banking was discontinued on July 9, 2025. Please update anyone who sends you payments or requests for payments and make arrangements for an alternative payment method. You are able to view and download up to 18 months of your previous Zelle history in UMB Online Banking.
Did my scheduled account transfers and bill payments carry over to the UMB system?
Your scheduled or recurring transactions, including internal account-to-account transfers, external account transfers, and bill payments have carried over to UMB.
However, we do recommend reviewing transfers and payments in your online account to make sure your settings transferred correctly.
Do I need to re-enroll in eStatements?
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.
Will I continue to receive account alerts?
Most account alerts set up before July 11 have carried over to UMB Online Banking.
However, we do recommend reviewing alerts in your online account to make sure your settings and other information migrated correctly.
I have an account at a different bank division. Did that account also move to UMB in July?
Only accounts and services with Minnesota Bank & Trust moved to UMB in July.
If you bank at a different division of UMB, stay tuned for information about your system conversion in October 2025.
Will my automatic debit card payments continue to process?
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. You should follow up with authorized merchants and provide your new UMB debit card number to ensure that your payments continue to process uninterrupted.
Why did I receive a UMB debit card or an ATM card?
You received a UMB debit card if you used your old card to make purchases and withdrawals from your checking or money market account.
You received a UMB ATM card if your account converted to a UMB savings product.
How can I use my new UMB debit card to make purchases?
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.
If I received multiple cards, how will I know which UMB debit or ATM card goes with which deposit account?
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.
Does my new UMB debit or ATM card have the same Daily Purchase and Cash Withdrawal limits as my old cards?
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 debit or ATM card was affixed.
What will happen if I use my UMB debit or ATM card and the available balance in my deposit account is insufficient to authorize the transaction?
Your transaction will decline if you have insufficient funds in your deposit account to authorize the transaction successfully.
Am I able to receive a UMB debit card the same day I request it?
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.
Do I need to do anything to be able to access historical deposit account statements and transaction history?
Up to 18 months of deposit account statements and transaction history from your current online banking is available in UMB Online Banking. While history will be available when you first log in, the most recent statement will be available shortly after conversion.
Have the terms for my Certificate of Deposit (CD) or IRA CD changed?
For CDs, known as Time Deposit Accounts (TDAs) at UMB, your interest rate, annual percentage yield and term remain the same.
Does UMB offer telephone banking?
The phone number for the UMB automated phone line is 800-860-4UMB (800-860-4862). The password you use the first time you call is the last four digits of your Social Security number. You’ll then be required to set a new password.
I was already a UMB customer. How does Federal Deposit Insurance Corporation (FDIC) coverage impact my accounts?
Deposit insurance protection covers funds on deposit in any checking account, savings account (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.
Do I need to update the ACH (electronic) payments and deposits I have set up?
Most customers do not need to update one-time or recurring ACH transactions at this time. For now, continue to use your existing routing and account number information. If you need to make an update, we will contact you directly and provide additional information.
Have my recurring and one-time incoming wire transfers been affected?
Most customers can continue using existing payment instructions at this time. If you do need to change your payment instructions, you will receive a separate communication instructing you to do so.
Can I select my own intermediary bank for outgoing wire transfers?
Self-selected intermediary banks for phone-in wires will not be available at UMB. UMB will select the intermediary bank using its wire routing tools.
How does UMB handle phone-in wire limits?
Each authorized user is assigned a per-transaction limit.
Does UMB require a callback for phone-in wires?
UMB standard practice requires a callback for phone-in wires depending on dollar limits that have been set up and/or what type of account you have. We will contact impacted customers directly and provide additional information.
Can I continue to use my 4-digit PIN to authorize phone-in wires?
If you previously used a 4-digit PIN, you must use a token going forward. We will contact impacted customers directly and provide additional information.
How can I send an international wire?
Visit your local branch or contact your relationship manager for more information.
Can I continue to send wires in the same FX currencies?
You can send FX wires in 17 standard foreign currencies by visiting your local branch.
For phone-in wires, is there a new number to call to initiate wires?
UMB requires wires to be initiated by an authorized user at a branch, or via the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
Can I email or fax wire instructions to the bank?
UMB requires wires to be initiated by an authorized user at a branch, or via the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
Has anything changed with the terms and conditions of my loan?
Your loan is based on terms set when you signed your loan documents, so nothing with the terms and conditions has changed in the transition to UMB.
My loan is set for autopayments. What do I need to do to ensure payments continue?
If your automatic payment is set to pay your monthly billing statement on its due date through a prescheduled transfer from your Minnesota Bank & Trust account, you don’t need to do anything. These autopayments will continue after conversion. However, autopayments on a loan or line of credit will not continue to process after July 11 if:
- You make autopayments through an account at any other financial institution.
- You make autopayments outside of your monthly statement billing due date.
For these two situations, you’ll need to set up your autopayments again. Go to Payments and Transfers in your online banking account to reestablish autopayments that didn’t carry over.
I set up automatic transfers to pay extra on my loan outside of the scheduled regular payment amount. Will my extra payment setup continue?
Additional/extra payments (i.e., separate, additional payments added to your regular monthly loan payment on a separate date from your monthly due date) did not carry over to the UMB system.
Go to Payments and Transfers in your online banking account to reestablish your automatic additional/extra payments.
How do I make my loan payment?
Refer to your monthly billing statement for information about your loan/line of credit number and payment options. For loan/line of credit payments sent by mail, please use this mailing address to expedite payment posting:
UMB Bank, N.A.
PO Box 419760
Kansas City, MO 64141-9760
Will my existing HELOC checks continue to work?
You can continue to use your existing HELOC checks.
I have an overdraft line of credit that transfers money to my deposit account in case of an overdraft. Will this setup continue?
Most overdraft lines of credit require no action and will automatically continue. If you require a new setup, we will contact you directly with available options.
My loan is paid through another financial institution’s Bill Pay platform. Do I need to change that setup after conversion?
Please use your UMB billing statement to ensure the bill payment is directed to the updated address and loan number for loan payments.
Does the conversion of my loan to UMB affect my credit report?
Your loan reflects that it has been transferred to UMB Bank, n.a. This new/updated transfer may take up to 90 days after conversion to be reflected on your credit report.
The conversion to UMB simply transferred the lender relationship to UMB and does not have a negative impact on your overall credit history.
Learn more about your personal banking transition.
Business Banking
Important account and service information
Most customers have transitioned to UMB Premier Business Online Banking. You can access your Premier Online Banking account for the first time, using the login instructions you received before conversion.
We recommend Premier Business Online Banking users download the UMB Mobile Banking app and log in with the same credentials.
For details about how to set account preferences, Intuit® integration and more, visit our resource for business online banking.
You can use the new UMB debit or ATM card you received in early July. Be sure to stop using your old card and destroy it.
You can use the new UMB credit card you received in early July. Be sure to stop using your old card and destroy it.
Note: Redeem remaining reward points from your old card for merchandise and travel by 11:59 p.m. CT on August 31. For more information, visit our online resource for business credit cards.
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 most customers, you do not need to update your one-time or recurring ACH transactions. For now, continue to use your existing routing and account number information. If you need to make an update, we will contact you directly and provide additional information.
Recurring, automatic internal transfers you set up in online banking before July 11 have carried over to your UMB account.
If you have set up external account transfers, those transfers did not carry over as this functionality is not supported.
Most customers continue to use their same deposit account numbers. If you require a new deposit account number, 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.
Confirm you are using and continue to use the Minnesota Bank & Trust, a division of UMB Bank, n.a. routing number: 091018302.
If it is necessary for you to switch to the UMB routing number, we will contact you directly with instructions.
For incoming wires, continue using your existing payment instructions at this time.
Continue to use your existing supply of checks until it runs out. When you’re ready for a new supply, please review our check guidelines. Then, submit an order at a UMB branch or directly at Deluxe.com.
Most customers can continue using existing payment instructions for incoming wire transfers. If you need to change your incoming payment instructions, you will receive a separate communication providing further instructions.
To initiate phone-in wires, please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
UMB provides individual account statements instead of a combined statement for all your accounts. You can download and save statements collectively from UMB Premier Business Online Banking.
Your existing statement delivery preferences (eStatements or paper) have carried over to UMB. You can update your delivery preferences anytime in Premier Business Online Banking.
Off-cycle statement
Shortly after July 14, 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 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 July 11, you received an interest credit to your deposit account for interest earned from your last interest credit through July 13. This was 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.
Your previous bank branches are now UMB branches, and most customers can continue working with the same banking team. We’ve already notified customers in areas where there are exceptions.
Visit locations.UMB.com to find a UMB branch near you.
Transition Guides and Training
UMB offers training, guides and demos for a variety of business services. Please review below for some helpful resources.
File Transmission
File transmission, commonly referred to as an SFTP or HTTPS upload/download connection is a method to securely send files to the bank for processing either by an encrypted automated process or by uploading directly to the bank via the secure HTTPS website.
Learn more about file transmissions.
International (FX) Wires
You can initiate and confirm International Foreign Exchange Wire Transfers by phone 8 a.m. to 3:30 p.m. CT, Monday through Friday, except for bank holidays. To initiate phone-in wires, please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
View additional information on wires.
Funds Availability Policy
For details on the timing of funds availability, please review the UMB Funds Availability Policy beginning on page 28 of the Deposit Account Agreement, which you received in early June.
Commonly asked questions
Can I use my existing login ID and password?
You can log in to Premier Business Online Banking at UMB.com/business-online-banking with the new login ID you received before conversion. At your first-time login, follow the prompts to set a password and register your browser (if desired).
Did my scheduled bill payments carry over to the UMB system?
Your scheduled or recurring bill payments have carried over to UMB Premier Business Online Banking.
However, we do recommend reviewing bill payments in your online account to make sure your payees, payments and other information migrated correctly.
Did my transfers carry over to the UMB system?
Any recurring, automatic internal transfers you set up in online banking before July 11 have carried over to your UMB Premier Business Online Banking account. However, we do recommend reviewing transfers in your online account to make sure your settings and other information migrated correctly.
If you have set up external account transfers, those transfers did not carry over as this functionality is not supported.
Do I need to re-enroll in eStatements?
If you previously received electronic statements, you’ll continue to receive electronic statements from UMB.
If you did not previously 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.
Will I continue to receive account alerts?
Most account alerts set before conversion weekend have carried over to UMB Premier Business Online Banking.
However, we do recommend reviewing alerts in your online account to make sure your settings and other information migrated correctly.
I have an account at a different bank division. Did that account also move to UMB in July?
Only accounts and services with Minnesota Bank & Trust moved to UMB in July.
If you bank at a different division of UMB, stay tuned for information about your system conversion in October 2025.
Will my authorized, recurring debit card payments continue to process?
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. 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.
Why did I receive a UMB debit card or an ATM card?
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.
How can I use my new UMB debit card to make purchases?
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 includes 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.
If I received multiple cards, how will I know which UMB debit or ATM card goes with which deposit account?
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.
Does my new UMB debit or ATM card have the same Daily Purchase and Cash Withdrawal limits as my old cards?
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 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 business debit or ATM card was affixed.
What will happen if I use my UMB debit or ATM card and the available balance in my deposit account is insufficient to authorize the transaction?
Your transaction will decline if you have insufficient funds in your deposit account to authorize the transaction successfully.
Am I able to receive a UMB debit card the same day I request it?
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.
Do I need to do anything to be able to access to historical deposit account statements and transaction history?
Up to 18 months of deposit account statements and transaction history from your current online banking have carried over to UMB. While history will be available when you first log in, the most recent statement will be available shortly after conversion.
Historical account analysis statements did not transfer to the UMB system.
Will the terms for my Certificate of Deposit (CD) change?
For CDs, known as Time Deposit Accounts (TDA) at UMB, your interest rate, annual percentage yield and term will remain the same.
I was already a UMB customer. How does Federal Deposit Insurance Corporation (FDIC) coverage affect my accounts?
Deposit insurance protection covers funds on deposit in any checking account, savings account (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.
Do I need to update my credit card number for any authorized, recurring payments?
UMB will attempt to update merchants you’ve authorized to store your credit card payment information with your new UMB credit card information.
However, this won’t apply to all merchants. You should follow up with all authorized merchants to confirm they have your new UMB credit card number and ensure that your payments continue to process uninterrupted.
My commercial credit card has been converted to UMB and is set for autopayments. How do I ensure the payments continue without interruption?
If you have ACH Positive Pay/Filter or an ACH debit block on the account that you use to pay your commercial credit card that has been converted to UMB, you need to contact your bank to update your preferences to allow UMB to debit your account. Please provide these ID values:
- UMB Commercial Card: 1980455904
- UMB Card Services: 9470535472
Did my rewards from my old credit card carry over to my UMB credit card?
The rewards you accumulated on your old business credit card did not carry over to your new UMB credit card. You can redeem remaining reward points on your old card for merchandise and travel until 11:59 p.m. CT on August 31. For more information about the UMB rewards program, visit our business credit card resources.
Which branches can I use?
You can visit any UMB branch for support with your account and daily banking needs. To find a branch near you, visit locations.UMB.com.
Which ATMs can I use?
You can withdraw funds, retrieve balance inquiries or make deposits at all UMB ATMs free of charge. With UMB, you have access to over 350+ ATMs nationwide at UMB branches.
You also have access to the Allpoint Network. Although the Allpoint Network does not assess surcharges, UMB customers may be assessed outside UMB ATM network transaction fees.
Are my wire templates available through UMB Premier Business Online Banking?
All templates, recipients, and scheduled or recurring series wire payments have carried over to UMB Premier Business Online Banking.
Have my recurring and one-time incoming wire transfers been affected?
Most customers can continue using existing payment instructions at this time. If you do need to change your payment instructions, you will receive a separate communication instructing you to do so.
Did my payment information on outgoing wire transfers change?
Outgoing domestic wire transfers use the UMB routing number, and no action is needed on your part. Outgoing international wire transfers use the UMB SWIFT BIC.
Does UMB auto-convert outgoing international USD wires to the beneficiary country’s currency?
UMB converts some U.S. dollar payments into the beneficiary’s local currency. For most payments, this conversion does not create any difference in experience for the beneficiary. In fact, the beneficiary may receive better exchange rates and quicker payment processing.
Can I select my own intermediary bank for outgoing wire transfers?
Self-selected intermediary banks for online and phone-in wires are not available at UMB. UMB selects the intermediary bank using its wire routing tools.
How does UMB handle phone-in wire limits?
Each authorized user is assigned a per-transaction limit.
Does UMB require a callback for phone-in wires?
UMB standard practice requires a callback for phone-in wires depending on dollar limits that have been set up and/or what type of account you have. We will contact impacted customers directly and provide additional information.
Can I continue to use my 4-digit PIN to authorize phone-in wires?
If you currently use a 4-digit PIN, you must use a token going forward. We will contact impacted customers directly and provide additional information.
Can I email or fax wire instructions to the bank?
UMB requires wires to be initiated by an authorized user online, at a branch, or via the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
Can I continue to receive wire transaction details via email and fax?
UMB does not send sensitive payment details via email or fax. You will need to retrieve payment details in online banking.
Does UMB require dual approval for outgoing wire transfers initiated online?
UMB standard practice requires dual approval for online wires, where one user initiates the payment and a second, different user approves it.
Did sender information for outgoing wire transfers that are initiated online change?
UMB uses the Subsidiary field in online banking to populate the sender information on an outgoing wire. Your previous online banking account used the Account field to populate sender information.
For phone-in wires, is there a new number to call to initiate wires?
Please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).
Do I need to update the ACH payments and deposits that I have set up?
Most customers do not need to update one-time or recurring ACH transactions at this time. For now, continue to use your existing routing and account number information. If you need to make an update, we will contact you directly and provide additional information.
Are my ACH templates available through UMB Premier Business Online Banking?
All templates, recipients, and scheduled or recurring series ACH payments have carried over to UMB Premier Business Online Banking.
Has anything changed with the terms and conditions of my loan?
Your loan is based on terms that were set when your loan documents were signed. Your current loan documentation has not changed based on this transition.
My loan has been converted to UMB and is set for autopayments. What do I need to do to ensure my payments continue?
Most loan autopayments continue as you set them up before conversion. However, if you use an ACH Positive Pay/Filter service on your bank account, you need to update the filter to allow the UMB debit to post for payment. This account may be at UMB or it may be at another bank.
Contact your bank to update your preferences to allow UMB to debit your account by adding UMB’s Company ID (COID) to your authorized list.
Company ID for UMB Loan Payments:
- 1101000695
Company IDs for Commercial Card Payments:
- 1980455904
- 9470535472
- 8470535472
- 8470535473
I have set up automatic transfers to pay extra on my loan outside of the scheduled regular payment amount. Will my extra payment setup continue?
Additional/extra payments (i.e., separate, additional payments added to your regular monthly loan payment on a separate date from your monthly due date) did not carry over to the UMB system. Go to Payments and Transfers in your online banking account to reestablish your automatic additional/extra payments.
How do I make my loan payment?
Refer to your monthly billing statement for information about your loan/line of credit number and payment options. For loan/line of credit payments sent by mail, please use this mailing address to expedite payment posting:
UMB Bank, N.A.
PO Box 419760
Kansas City, MO 64141-9760
I have an overdraft line of credit that transfers money to my deposit account in case of an overdraft. Will this setup continue?
Your overdraft line of credit setup will automatically continue. No action is required on your part.
My loan is paid through another financial institution’s Bill Pay platform. Do I need to change that setup after conversion?
Please use your UMB billing statement to ensure the bill payment is directed to the updated address and loan number (where applicable) for loan payments.
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.
UMB Mobile Banking
Easily manage your money from your mobile phone or tablet, anywhere, anytime, with UMB Mobile Banking.
Download the UMB Mobile Banking app today.
