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:

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

    • If your cards were bulk-shipped, the Program Administrator received the box with all cards.

  • Add your new card to your mobile wallet for seamless payments at participating retailers.

  • Access your account online.

  • Update any bill pay and recurring payments with your new card number, expiration date and CVV code.

  • Redeem accumulated reward points no later than November 30.

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

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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.

  • Begin 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

Outstanding balances on your current business card account as of October 13, 2025 were transferred to your new UMB Visa Business Signature card and reflect on your new UMB statement as “HTLF Balance Transfer – Purchase.”

October payments

Please make your scheduled October payment as disclosed in your October HTLF statement.

  • Check or scheduled automatic payments: When your payment is received, the payment will be applied to your balance and reflect on your new November 2025 UMB statement.
  • Online banking payments: Any payment made through online banking beginning on October 14 will need to be made through UMB.

November payments

For your November 2025 UMB statement, the balance owing will reflect:

  • The “HTLF Balance Transfer – Purchase”
  • “HTLF Balance Transfer – Finance Charge” and “HTLF Balance Transfer – Fee” owing through October 10
  • Any payment you made to your account prior to the statement cut
  • All transactions that occurred with your new UMB card from October 14 through the statement cut

Statements

You will receive a final HTLF statement in November for informational purposes only, and it will show all transactions that occurred since your last statement through October 13. All balances and scheduled payments due will be reflected in your November UMB card statement.

Your new UMB statements will cut on the first day of each month, with the first billing statement cutting on
November 1. Your scheduled payment will be due 26 days later. UMB will convert your existing Automatic Payments and carry them over with your next billing statement using the scheduled due date, and no action is required on your part.

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 either Premier Business Online Banking or Online Banking.

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® Small Business Card eZBusiness and Online Banking Visa Signature® Business Rewards card Premier Business Online Banking
Visa® Small Business Card eZBusiness-only Visa Signature® Business Rewards card Online Banking

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You have access to UMB Premier Business Online Banking to manage your card program. To support a smooth conversion, take the following actions:

  1. Visit UMB.com/business-online-banking to log into the platform
  2. Bookmark the Business Online Baking Help Center for additional resources such as user guides.

Download the UMB Mobile app:

With Premier Business Online Banking, business credit card customers can access and view all accounts in one system.

Account administrators are able to view across business credit card accounts. Administrators can also enable account access for additional users, allowing them to:

  • View accounts and transactions
  • Download statements
  • Make payments
  • Access Card Controls functionality

While historic transaction activity is not available in Premier Business Online Banking, up to 12 months of statement history is available.

UMB will work to identify the Administrators who should be set up with access to business credit cards. Administrators will need to build and entitle their respective cardholder users.

AutoPay customers can view and manage AutoPay settings through the Pay Credit Card option.

You can enroll in UMB Online Banking. Go to UMB.com to start:

  1. Select Business from the top menu.
  2. On the Login menu click Enroll.
  3. On the UMB Online Banking Enrollment page, select Business Credit Card from the Account Type menu.
  4. Complete the required fields to enroll.

Download the UMB Mobile app:

Rewards redemption

If your credit card earns rewards, your rewards provider changed and your previous 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 redeeming points, it is your responsibility to notify them of the ScoreCard Rewards changes.

Call the number on the back of your card for questions or 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’ll 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 business credit cards:

  • If you pay your UMB card with a non-UMB checking account, update the filter to UMB Company ID 8470535472.
  • If you pay your UMB card with a UMB checking account, update the filter to UMB Company ID 8470535473.

Commonly asked questions

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 may not apply to all merchants. After conversion, 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.

Questions on a specific account or service?