About your new card
Once you’ve activated your new UMB debit or ATM card, you can use it and add your card to your mobile wallet for seamless payments. Be sure to stop using your old card and destroy it.
If you have questions about your new card, please call us at the number on the back.
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 may not 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.
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 account. Your UMB ATM card can only be used for ATM transactions, including withdrawals and balance inquiries.
When making an in-person purchase, you can use your card to tap, dip or swipe your card. You can also load it 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 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.
We've worked to ensure that your card limits are equal to or greater to those previously in place. However, you received a UMB ATM card if your previous 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.
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.
