About your new debit card

Activate today:

  • Follow the activation instructions included with your new card.

  • Start using your new UMB debit or ATM card, and destroy your old card.

  • Add your new UMB card to your mobile wallet.

Debit card benefits

With your new contactless UMB debit card, you can tap, dip or swipe to pay, and manage your card in UMB Online Banking and the UMB Mobile app:

  • Create and update card alerts

  • Set travel notifications

  • Establish card controls (includes toggling cards on/off)

  • Request a new debit card

  • Reset a PIN

Call the number on the back of your current card for assistance in managing your debit card.

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, or online banking usernames, passwords or access codes. If you suspect fraud, contact our customer service team immediately.

Commonly asked questions

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, 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 received a UMB business debit card to make purchases and withdrawals if your previous account converted to a UMB checking or money market account.

You received a UMB business ATM card if your previous account converted to a UMB 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 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.

Debit cards: The last four digits of your card number and the last four digits of the corresponding checking or money market account number will be printed on the upper right corner of the card mailer.

ATM cards: 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.

For debit and ATM cards, you can also see real-time pending card transactions in UMB online banking and the UMB Mobile app 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 business debit or ATM card will be affixed.

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 digital 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.

Questions on a specific account or service?