About your new accounts

Your credit card accounts transitioned to UMB, and new UMB-branded cards were issued to your active cardholders to replace previous cards.

Share this page and the information below with your active cardholders.

Current action items:

  • Start using your new UMB card and destroy your old one.

    • If your cards are bulk-shipped, the Program Administrator will receive the box with all cards.
  • Add your new card to your mobile wallet for seamless payments at participating retailers.
  • Update any bill pay and recurring payments with your new card number, expiration date and CVV code.

  • Update any values in the file names that you or your third-party app providers require to process your VCF files.

  • Update your ACH Positive Pay/Filter to continue autopayments on credit cards.

  • Redeem accumulated reward points no later than November 30.

  • Electronic Account Payments (EAP) / Integrated Payables Program customers: Contact your suppliers to notify them that expiration dates are changing from 90 days to 30 days. 

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Client Advisor Support is available by calling 855-698-8050, option 7, option 2.

Important account information

As part of the transition, new UMB-branded cards were issued to all active cardholders to replace previous cards.

Please communicate this information to your active cardholders:

  • New UMB-branded cards arrived in early October. To protect your safety, cards were sent in plain white envelopes with no identifying information. Be careful not to discard the envelope accidentally.

  • Start using your new UMB-branded card and destroy your previous card.

  • Your card number, expiration date, and CVV code changed.

  • You can also add your card to a digital wallet to make purchases at participating stores and within the Apple Pay®, Google Pay™, or Samsung Pay® apps.

Outstanding balances and statements

​Outstanding balances on your HTLF Accounts were not transferred to your new UMB Accounts.

​Your October statement (central or individually billed) is due in full on the scheduled due date. If automatic payments are in place, the payment will be drawn as scheduled from the bank account currently on file.

  • ​After conversion weekend, you will receive two statements:
    1. An HTLF statement for your remaining October HTLF card activity and reflecting the balance due.
    2. ​A UMB statement reflecting new transactions using your UMB cards and reflecting the balance due.
  • ​Your Account’s billing cycles will not change.
  • ​Automatic payments of the card balance for the Accounts will continue to use the demand deposit account designated for payments.

Please review the materials sent to you in early September for available payment methods.

Online account management

Based on your previous online account management needs, your card program was granted access to one of the following platforms:

  • UMB Commercial Credit Card Online Platform (also referred to as “UMBCC”)
  • Premier Business Online Banking
  • Fleet Card Platform

Please refer to the chart below or your welcome letter delivered in early September to determine your card program access.

Previous Product Previous Online Platform Current Product Current Online Platform
Visa Commercial Credit Card or Visa Purchasing Card eZBusiness Visa Commercial Credit Card UMBCC
Visa Commercial Credit Card or Visa Purchasing Card eZBusiness with Visa Spend Clarity Visa Commercial Credit Card UMBCC - Expense Management
Fleet Card eZBusiness/eZCard Visa Commercial Credit Card - FLEET UMB Fleet Card Online

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You have access to UMB Commercial Card Online Platform to manage your card program.

The platform offers you the following functionality:

  • Card Management: real-time visibility and abilities to make updates to your accounts. You can also close accounts and create new accounts.
  • Statements: access to download PDF copies of statements for all accounts in your program.
  • Payments: schedule payments and enroll in Auto Pay.
  • Reporting: utilize a full suite of reporting and data download capabilities to access 24 months of your program's transaction activity.

For customers that use Visa Spend Clarity for Enterprise for expense management of the card program, you will also be able to access this same functionality in UMBCC. UMBCC features the same functionality as Visa Spend Clarity, and UMB will be converting your program data on your behalf. This includes:

  • Employee records and user credentials
  • Charge code segments, charge codes, charge groups, and default codes.
  • Company hierarchies
  • Expense workflow and receipt imaging rules
  • Finance extract and reporting templates

Your processes for managing expenses will remain the same. UMB will allow you to continue to access Visa Spend Clarity for an additional 90 days after conversion so that you have time to complete your expense reconciliation on your HTLF accounts.  During this time, you will also want to ensure you have downloaded all financial extracts and receipt image extracts.

Transaction activity in UMBCC will only be on a go-forward basis for your new UMB commercial cards. Historical statements, reports, etc. should be downloaded and archived as needed.

Your existing users of Visa Spend Clarity will be converted to UMBCC. All users who are active (not terminated) and have used Visa Spend Clarity within the last 12 months will receive user credentials to UMBCC. These user credentials will arrive in early October, which will allow you time to review any users who may need to be deactivated or added to the platform prior to conversion. 

To support a smooth conversion, take the following actions:

  1. Sign-up for in-depth training of UMBCC. Training information will be sent prior to conversion weekend.
  2. Bookmark the Commercial Credit Card Resource Center for additional resources such as user guides and tutorial videos.
  3. Download the Mobile App today:
  4. Download transaction and statement history in eZBusiness and/or Visa Spend Clarity and archive for your records.

You have access to the UMB Fleet Card online platform to manage your card program.

You received opportunities for training on UMB Fleet Card online to manage your card programs prior to conversion.

Rewards redemption

If your credit card earns rewards, your rewards provider changed and your reward program through ScoreCard Rewards ended on October 13.

Your previous rewards card:

  • Your ScoreCard Reward program ended, and you must redeem any accumulated points.

    • Redeem for non-statement credit rewards like travel, merchandise and more no later than November 30, 2025, at 11:59 p.m. CT

  • If you have individual cardholders, it is your responsibility to notify them of the ScoreCard Rewards changes.

Call the number on the back of your card for additional support.

Card payments (ACH Positive Pay/Filter)

You need to update your ACH Positive Pay/Filter to continue autopayments on credit cards converted to UMB.

Most credit card autopayments will continue as they are set up today. 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, ensuring your payments continue. This account may be at UMB or another bank.

To update the filter, follow the steps for commercial credit cards:

  • If you’re enrolled in the UMB Commercial Card platform, update the filter to UMB Company ID 1980455904.
  • If you’re enrolled in a different UMB Online Banking platform or make payments to your card via phone, update the filter to UMB Company ID 9470535472.

Electronic Accounts Payment (EAP) /
Integrated Payables Program

When your Commercial Card Program converted to UMB, so did your Electronic Accounts Payable (EAP) / Integrated Payables Program. While many account features, including all account user and supplier templates, remain the same, there are a few changes.

Important Changes to Your EAP / Integrated Payables Program

Updated Customer IDs: New Buyer IDs were provided prior to conversion via your account officers and the commercial card support team.

Online Access: Access to Priority CPX remains the same for payment processing, settlements, and authorizations. However, you now access account statements through the UMB Commercial Card (UMBCC) online platform. You can also view transactions through UMBCC.

You can access Priority CPX and UMBCC through the Business Banking login menu on UMB.com. Please note that single sign-on is not supported through online banking at this time.

  • For card transactions created prior to October 10, 2025, you can view and retrieve statements and outstanding balances through the CPX platform.
  • For transactions created after October 10, 2025, you can view and retrieve statements and outstanding balances in UMBCC.

Visit the Commercial Credit Card Resource Center for additional resources, such as user guides and tutorial videos on UMBCC.

Outstanding Balances and Statements:

  • Outstanding balances on your card were not transferred to UMB.
  • Your October statement (central or individually billed) is due in full on the scheduled due date. Automatic payments will continue to be drawn as scheduled from the bank account currently on file.
  • After conversion, you will receive two statements:
    1. An HTLF statement for your remaining October HTLF settled CPX virtual card activity and reflecting the balance due. Please download any historical statements you need prior to December 1, 2025.
    2. A UMB statement reflecting new EAP card transactions settled on the UMB CPX solution and reflecting the balance due.
  • Your Account’s billing cycles will not change.

Expiration Dates: Expiration dates of card payments will change from 90 days to 30 days prior to conversion.

Action Required: Contact suppliers, specifically those that do not run transactions within 30 days, to inform them that expiration dates will be changing from 90 days to 30 days to avoid the reissuance of payments. If a supplier does not process payments prior to the expiration date, you will be required to reissue the payment through Priority CPX.

International Transactions: International currency transactions are not supported through Priority CPX. Please contact your Account Officer to discuss international card transaction options for your vendor payments.

ACH Return Transactions: ACH return transactions statuses (including returns) are now reflected in CPX.

Commonly Asked Questions: Please review our Electronic Accounts Payment (EAP) / Integrated Payables Program Commonly Asked Questions resource document for more details on program specifics.

Need Assistance? If you need additional assistance with your Electronic Accounts Payable (EAP) / Integrated Payables Program, please contact us at 855-850-1163.

You will receive information on your Company’s Commercial Credit Card Program separately, and you should refer to that for additional details related to your Account.

Visa Data Delivery (VCF File) Subscription

You will continue to receive services such as the delivery of your program’s daily data file now that your Commercial Card Program converted to UMB. The purpose of these files is to provide card transaction data, but these files can also support the transmission of card account, billing period, merchant data and enhanced transaction details.

You will still receive files at the same frequency you received them previously, and the delivery methods have not changed, but some commonly used files in your VCF File Subscription did change. This includes files that may be delivered to third parties, such as Concur or Expensify. If you have files delivered to a third party, you will need to update your information. For more details, review the VCF File Resource Guide.

If your Commercial Card Program runs any processes to load files, and these processes are dependent on the values in the file naming, please note this will need to be updated on October 14.

Commonly asked questions

You received your new UMB credit card in the mail in early October.

Start using your new UMB card, stop using your old card and destroy it.

Commercial Card customers will need to update merchants that are authorized to store credit card payment information.

Transaction and statement history is only stored on a go-forward basis. Access to eZBusiness will be available until 90 days post-conversion, and you should download and archive your transaction history and statements as needed before then.   

Questions on a specific account or service?