About your new accounts

Your personal checking and savings account(s) have transitioned to UMB. All account changes are effective October 14. Please review the important account information you received in early September, including your account disclosures and fee schedules.

Important account and service information

If you were previously enrolled in online banking, you are automatically enrolled in UMB Online Banking. Use your existing login ID (known as a “user ID” at UMB) to access UMB Online Banking at UMB.com or in the UMB Mobile app.

Visit our online banking resources to learn more.

You can use the new UMB debit or ATM card you received in early October. Be sure to stop using your old card and destroy it. 

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.

Direct deposits to your account set up before October 10 have carried over to UMB.

Most recurring, automatic payments from your account and account transfers set up before October 10 have carried over to UMB.

If you have a loan or line of credit that transitioned to UMB and make autopayments on a date other than your payment due date, you will need to reset your autopayments.

Daily cutoff times for transaction processing at UMB may vary from your previous 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 early September, and visit our online banking resources.

If you previously received a combined statement for all your accounts, you will begin receiving individual account statements. You can download and save statements collectively from UMB Online Banking.

Your previous 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 conversion weekend, 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 Friday, October 10. You'll receive your next statement as usual, noting transactions from October 11 through the remainder of your normal statement cycle.  

Off-cycle interest credit  

On Friday, October 10, you received an interest credit from your previous bank division for interest earned from your last interest credit through October 13. This was the amount of interest not yet paid during your monthly interest cycle. You'll receive a second credit from UMB for interest earned from October 14 through the remainder of your normal interest cycle.

Most customers continue to use their same deposit account numbers and do not need to update checks, recurring direct deposits or payments at this time. If you require a new deposit account number, we will contact you.

For incoming wires and ACH transactions, continue using your existing payment instructions at this time.

Please continue to use your previous bank’s routing number. You do not need to update checks, recurring direct deposits or payments at this time. If you need to switch to the UMB routing number, we will contact you. For reference, routing numbers for previous divisional bank are:

  • Arizona Bank & Trust: 122106015
  • Bank of Blue Valley: 101101950
  • Citywide Banks: 107005953
  • Dubuque Bank and Trust: 073900535
  • FirstBank & Trust Texas: 111319347
  • Illinois Bank & Trust: 071925554
  • Minnesota Bank & Trust: 091018302
  • New Mexico Bank & Trust: 107006541
  • Premier Valley Bank: 121143273
  • Wisconsin Bank & Trust: 075907594

For the majority of customers, you can continue to use your existing payment instructions for incoming wire transfers. If you do 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).

Your previous bank branches are now UMB Bank branches, and most customers can continue working with their same banking teams. If there is a change, we'll contact you directly.  

You also have access to over 350 ATMs nationwide at UMB branches.

Visit locations.UMB.com to find a UMB branch near you.

Checking Accounts

Your previous checking account determined your new account. Review our comparison chart for more account features. View your previous account statement for your previous account type.

Previous Account Type New UMB Account Type
Check-Free Banking UMB Check-Free Banking
Free Checking with eStatements UMB Free Checking
Platinum Checking UMB Platinum Checking
Signature Series Checking UMB Select Checking

Swipe left or right to view table on mobile

Savings and Money Market Accounts

Your previous account determined your new account. Review our comparison chart for more account features. View your previous account statement for your previous account type.

Previous Account Type New UMB Account Type
Savings Accounts
High Yield Savings UMB Premium Savings
Platinum Savings UMB Retail Money Market
Signature Series Savings UMB Retail Money Market
Statement Savings* UMB Savings
UMB Youth Savings
Money Market Accounts
Money Market UMB Retail Money Market
Premium Money Market UMB Premium Savings

Swipe left or right to view table on mobile


*​Statement Savings Accounts transitioning to UMB Youth Savings Accounts: Customers under the age of 18 are eligible. Once a UMB Youth Savings account holder reaches the age of majority as defined by state law (typically 18 years of age), UMB may require that the account is transitioned from the UMB Youth Savings account to a different savings account.

Private Banking Accounts

Your previous account and account officer determined your new account. Review our comparison chart for more account features. View your previous account statement for your previous account type.

Previous Account Type New UMB Account Type
Platinum Checking UMB Private Banking Checking
Signature Series Checking
Platinum Savings UMB Private Banking Money Market
Signature Series Savings

Swipe left or right to view table on mobile

Time Deposit Accounts (Certificates of Deposit)

At UMB, your Certificate of Deposit (CD) is referred to as a Time Deposit Account (TDA). Your interest rate, annual percentage yield and term remain the same. View your previous account statement for your previous account type.

Previous Account Type New UMB Account Type
Certificate of Deposit Time Deposit Account
Roth IRA Certificate of Deposit Roth IRA Time Deposit Account
Traditional IRA Certificate of Deposit Traditional IRA Time Deposit Account

Swipe left or right to view table on mobile

All time deposit investments are subject to the UMB time deposit agreement and early withdrawal penalties. Unless additional instructions are received, all future contributions shall be invested or reinvested for the same term at the prevailing rate for that term. 

IRA Money Market / Savings Accounts

Your previous account determined your new account. View your previous account statement for your previous account type.

Previous Account Type New UMB Account Type
Traditional IRA Money Market / Savings Account UMB Traditional IRA 18-Month Variable Time Deposit Account
Roth IRA Money Market / Savings Account UMB Roth IRA 18-Month Variable Time Deposit Account

Swipe left or right to view table on mobile

The interest rate and annual percentage yield (APY) may change monthly. The interest rate on this account will be adjusted monthly to reflect the prior thirty (30) day running average rate of interest paid on 90-day U.S. Treasury Bills. A minimum of $100 is required to open this account. Interest on the account will be credited to the account and compounded monthly. There are no limits on the number or amounts of deposits that may be made to the account.

All time deposit investments are subject to the UMB time deposit agreement and early withdrawal penalties. Unless additional instructions are received, all future contributions shall be invested or reinvested for the same term at the prevailing rate for that term.

Please refer to your agreement and disclosures for more information.

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

You received an 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. 

Your new UMB debit card, which includes contactless chip technology, can be used to make purchases anywhere Visa® is accepted.

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 is 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™.

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.

Up to 19 months of deposit account statements and transaction history from your current online banking have carried over to UMB Online Banking. While history is available when you first log in, the last statement from your previous bank will be available after conversion. 

For CDs, known as Time Deposit Accounts (TDAs) at UMB, your interest rate, annual percentage yield and term remain the same.

The phone number for the UMB automated phone line is 800-860-4UMB (800-860-4862). The password you will use the first time you call will be the last four digits of your Social Security number. You will then be required to set a new password.

Deposit insurance protection covers funds on deposit in any checking, savings (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.

Questions on a specific account or service?