About your UMB account access
Your online and mobile account access has transitioned to UMB. All changes are effective October 14.
First-Time Login Access to UMB Online Banking and the UMB Mobile App
Here’s how to get started with UMB Online Banking and the UMB Mobile app beginning October 14:
- Set up your online account access for the first time in UMB Online Banking at UMB.com or in the UMB Mobile app, available to download in the app store for your device.
Either online or in the app, enter your existing online banking user ID, then follow the prompts to complete your first-time login.
- Note: When you first log in to the app, you’ll have the option to reestablish biometric (Face ID® or Touch ID®) authentication. You should delete your previous banking app at this time.
After your first-time log in:
Your user ID and password will be the same for online and mobile banking.
Review your accounts, profile information, preferences, alerts, payments, scheduled and recurring transfers, payments to loans/lines of credit, Bill Pay payees and payments, etc.
Schedule new transfers and payments as needed.
Delete your previous mobile banking app.
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 details on access to funds, please review the UMB Online Banking Agreement.
- Security Preferences—Manage your user ID and password and enter your preferred email and/or phone number to receive secure-access codes for authentication.
- Statement Preferences—Select your preferred delivery for statements for your UMB checking or savings accounts. To go paperless, choose Electronic Delivery.
- Account Preferences—Personalize your experience with account nicknames, enable SMS/text banking or view account details.
Access to Zelle in online and mobile banking was discontinued October 7. Please update anyone who sends you payments or requests for payments and make arrangements for an alternative payment method.
You are able to view and download up to 19 months of your previous Zelle history in UMB Online Banking.
The option to send wires is not available in UMB Online Banking. However, you can send wires by visiting your local branch, or as an authorized user via phone call.
If you use Quicken or QuickBooks Online, your connection through your previous bank has been disabled. Refer to the corresponding link below for instructions on your October 14 action item to avoid data disruption and continue your connectivity through UMB Online Banking.
UMB Mobile Banking
Easily manage your money from your mobile phone or tablet, anywhere, anytime, with UMB Mobile Banking.
Download the UMB Mobile Banking app today.
Features and tools in UMB Online Banking
Security
Log in with finger ID and Apple® Face ID.
Transfer funds between bank accounts online and pay bills from your account.
Deposit checks from your phone for faster access to funds.
Efficiency
Manage and redeem credit card reward points.
View detailed account history, including credit card and loan transactions.
Set up custom account alerts for enhanced account monitoring and money management.
Control
Control your personal finances with Money Manager, a powerful tool that helps you track and manage your money.
Customize your online account dashboard by rearranging views and accounts and changing your theme.
Receive private account support through our secure message center.
Learn more
For more information on online banking, helpful resources and how-to videos, visit UMB.com.
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.
View system requirements and online banking and mobile banking terms and conditions.
Must have a bank account in the U.S. to use Zelle®. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Commonly asked questions
Most customers can continue using their existing login ID (known as a "user ID" at UMB). If you require a new login ID, we will contact you.
When you access UMB Online Banking at UMB.com or in the UMB Mobile app for the first time, follow the prompts to set a password. After you complete your first-time login, your user ID and password will be the same for online and mobile banking.
Additionally, the first time you log in to mobile banking, you'll have the option to reestablish biometric (Face ID® or Touch ID®) authentication.
Note: If you saved your login credentials in a password manager for your previous online banking access, you need to re-establish this feature
Your scheduled or recurring transactions, including internal account-to-account transfers, external account transfers, and bill payments have carried over to UMB.
However, we recommend reviewing transfers and payments in online banking to make sure your settings transferred correctly.
Bill Pay payees and any associated payments did not convert if there was missing required information, such as a mailing address. Please review and update your payees and associated payments as needed.
If you previously received electronic statements, you'll continue to receive electronic statements from UMB.
If you did not previously receive electronic statements, we'll provide you with both paper and electronic statements by default. You can update your preference to only electronic statements if desired.
We provide individual statements for each of your accounts, rather than a combined statement.
Most account alerts set up before conversion weekend have carried over to UMB Online Banking. However, we recommend reviewing alerts in online banking to make sure your settings and other information migrated correctly.
Most customers will see the same accounts in their UMB profile. However, after conversion, a small number of customers may see more, or fewer authorized accounts displayed in their UMB profile than in their previous online banking profile. For more information, call 888-892-1693.
If you still have pending transactions made with your old debit card, they display as “MANUAL ENTRY” in your online banking account. Once no longer pending, these transactions are automatically updated with merchant-specific descriptions. However, transactions made with your new UMB debit card display merchant-specific descriptions from the time they are made.
