Personal Banking

Important account and service information

Download our Personal Banking Transition Guide as a helpful reference.

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.  

For more details, visit our personal online banking resources.

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. You can submit an order in UMB Online Banking, at a UMB branch or directly at Deluxe.com when you’re ready for a new supply.

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 and make autopayments on a date other than on your payment due date, you’ll 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 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 a 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, 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 banks 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

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 or ATM near you. 

Commonly asked questions

Can I continue using my current login ID and password?

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 your 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 will need to reestablish this feature.

Can I continue to use Zelle®?

Access to Zelle® was discontinued October 7 and is not available in mobile or online banking.

Please contact anyone who sends you payments or requests for payments and make arrangements for an alternative payment method.  

Did my scheduled account transfers and bill payments carry over to the UMB system?

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.

Do I need to re-enroll in eStatements?

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.

Will I continue to receive account alerts?

Most account alerts set up before conversion weekend have carried over to UMB.

However, we recommend reviewing alerts in online banking to make sure your settings and other information migrated correctly.

Can I see the same accounts in my UMB Online Banking profile as I saw in my previous online banking profile?

Most customers can see the same accounts in their UMB profile. However, 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.

What does "MANUAL ENTRY" mean on some of my debit card transaction descriptions? 

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. 

 

Will my automatic debit card payments continue to process after conversion?
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 authorized merchants and provide your new UMB debit card number to ensure that your payments continue to process uninterrupted.
Why did I receive a UMB debit card or an ATM card?
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.
How can I use my new UMB debit card?
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 tap, dip or swipe your card. You can also load to Google Pay™, Apple Pay, Samsung Pay and Garmin Pay™ to make debit card purchases from your mobile wallet.
If I received multiple cards, how will I know which UMB card goes with which deposit account?
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.
Does my new UMB debit or ATM card have the same Daily Purchase and Cash Withdrawal limits as my previous cards?
We’ve worked to ensure that your card limits are equal to or greater than 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.
Can I receive a UMB debit card the same day I request it?
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.
Can I continue to use my existing checks?
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.
How do I access historical deposit account statements and transaction history?
Up to 19 months of deposit account statements and transaction history from your previous online banking carried over to UMB Online Banking. While transaction and statement history are available when you first log in, the last statement from your previous bank will be available after conversion.
Have the terms for my Certificate of Deposit (CD) or IRA CD changed?
For CDs, known as Time Deposit Accounts (TDAs) at UMB, your interest rate, annual percentage yield and term remain the same.
Does UMB offer telephone banking?
Yes, 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.
I was already a UMB customer. How does Federal Deposit Insurance Corporation (FDIC) coverage impact my accounts?
Deposit insurance protection covers funds on deposit in any checking account, savings account (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.

 

Which branches can I use now?
You can visit any UMB branch for support with your account and daily banking needs. To find a branch near you, visit locations.UMB.com.
Has anything changed with my safe deposit box?
For most customers, nothing has changed for existing safe deposit boxes. If a change is necessary, we will communicate directly with customers.
 
Some personal storage units (PSUs) were converted to safe deposit boxes earlier this year. We will communicate directly to customers affected by this change and provide an option to move to a safe deposit box.
Which ATMs can I use?
You can withdraw funds, retrieve balance inquiries or make deposits at UMB ATMs free of charge. With UMB you have access to over 350 ATMs nationwide at UMB branches.
 
You also have access to the Allpoint Network. Although the Allpoint Network does not assess surcharges, UMB customers may be assessed outside UMB ATM network transaction fees.

Do I need to update the ACH (electronic) payments and deposits I have set up?

For most customers, you do not need to update your one-time or recurring ACH transactions at this time. For now, continue to use your existing routing and account number information. If you need to make an update, we will contact you.

Have my incoming wire transfers been affected?

Most customers can continue using existing payment instructions at this time. If you do need to change your payment instructions, we will contact you.

Can I select my own intermediary bank for outgoing wire transfers?

Self-selected intermediary banks for phone-in wires are not available at UMB. UMB will select the intermediary bank using its wire routing tools.

How does UMB handle phone-in wire limits?

Each authorized user is assigned a per-transaction limit.

Does UMB require a callback for phone-in wires?

UMB standard practice requires a callback for phone-in wires depending on dollar limits that have been set up and/or what type of account you have. We will contact impacted customers directly.

Can I continue to use my 4-digit PIN to authorize phone-in wires?

If you currently use a 4-digit PIN, you must use a token going forward. We will contact impacted customers directly.

How can I send an international wire?

Visit your local branch or contact your relationship manager for more information.

Can I send wires in the same FX currencies as I did previously?

You can send FX wires in 17 standard foreign currencies by visiting your local branch or contacting your relationship manager.

For phone-in wires, is there a new number to call to initiate wires?

Please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

Can I email or fax wire instructions to the bank?

UMB requires wires to be initiated by an authorized user at a branch, or via the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

Has anything changed with the terms and conditions of my loan?

Your loan is based on terms set when you signed your loan documents. Terms and conditions did not change in the transition to UMB.

What do I need to do to ensure my loan autopayments continue? 

If your automatic payment is set to pay your monthly billing statement on its due date through a prescheduled transfer from your account transitioning to UMB, you don't need to do anything. These autopayments will continue. However, autopayments on a loan or line of credit will not continue to process after October 10 if:

  • You make autopayments through an account at any other financial institution.
  • You make autopayments outside of your monthly statement billing due date.

For these two situations, you'll need to set up your autopayments again. Go to Payments and Transfers in your online banking account to reestablish autopayments that didn't carry over. 

I have set up automatic transfers to pay extra on my loan outside of the scheduled regular payment amount. Will my extra payment setup continue?

Additional/extra payments did not carry over to the UMB system (i.e., separate, additional payments added to your regular monthly loan payment on a separate date from your monthly due date).

Go to Payments and Transfers in your online banking account to reestablish your automatic additional payments, or visit a UMB branch to make an additional payment. 

How do I make my loan payment?

Refer to your monthly billing statement for your loan number and payment options. This statement includes an updated address for loan payments, and using this updated information will expedite payment posting. 

Will my existing HELOC checks continue to work?

You can continue to use your existing HELOC checks.

I have an overdraft line of credit that transfers money to my deposit account in case of an overdraft. Will this setup continue?

Most overdraft lines of credit require no action and will automatically continue after conversion. If you require a new setup, we will contact you directly with available options. 

My loan is paid through another financial institution's Bill Pay platform. Do I need to change that setup after conversion?

Please use your UMB billing statement to ensure the bill payment is directed to the updated address and loan number for loan payments.

Does the conversion of my loan to UMB affect my credit report?

The conversion to UMB simply transfers the lender relationship to UMB and does not have a negative impact on your overall credit history.

Your loan reflects that it has been transferred to UMB Bank, n.a. This new/updated transfer may take up to 90 days after conversion to be reflected on your credit report.

Learn more about your personal banking transition.

Business Banking

Important account and service information

Most customers have transitioned to UMB Premier Business Online Banking. We provided customers who moved to a different platform with separate instructions.

For more information, visit our resource for business online banking.

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

Note: You can redeem remaining reward points for cash back, merchandise and travel until 11:59 p.m. CT on November 30. For more information, visit our credit card resources.

Recurring, automatic internal transfers you set up in online banking before October 10 have carried over to your UMB account.

If you have set up external account transfers, those transfers did not carry over as this functionality will not be supported.

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 you received in early September.

If you previously received a combined statement for all your accounts, you will begin receiving individual account statements. Your previous statement delivery preferences (eStatements or paper) have carried over to UMB. You can update your delivery preferences and download statements collectively in 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 to your deposit account 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 credited interest according to 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 need 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

Continue to use your existing supply of checks until it runs out. When you’re ready for a new supply, review our check guidelines. You can then submit an order at a UMB branch or directly at Deluxe.com.

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

Transition Guides and Training

UMB offers training, guides and demos for a variety of business services. Please review below for some helpful resources.

File Transmission

File transmission, commonly referred to as an SFTP or HTTPS upload/download connection is a method to securely send files to the bank for processing either by an encrypted automated process or by uploading directly to the bank via the secure HTTPS website.

Learn more about file transmissions.

International (FX) Wires

You can initiate and confirm International Foreign Exchange Wire Transfers by phone 8 a.m. to 3:30 p.m. CT, Monday through Friday, except for bank holidays. To initiate phone-in wires, please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

View additional information on wires.

Funds Availability Policy

For details on the timing of funds availability, please review the UMB Funds Availability Policy beginning on page 28 of the Deposit Account Agreement, which you received in early September.

Commonly asked questions

Can I use my current login ID and password?

You can log in to UMB Premier Business Online Banking at UMB.com/business-online-banking. At your first-time login, follow the prompts to set a password and register your browser (if desired).

Did my scheduled bill payments carry over to the UMB system?

Your scheduled or recurring bill payments have carried over to UMB.

However, we recommend reviewing bill payments in your online account to make sure your payees, payments and other information migrated correctly.

Please note: Payees and any associated payments with missing address information did not convert. 

Did my transfers carry over to the UMB system?

Most recurring, automatic internal transfers set up in online banking before October 10 have carried over to UMB. However, we recommend reviewing transfers in online banking to make sure your settings and other information migrated correctly.

If you have set up external account transfers, those transfers did not carry over as this functionality will not be supported.

Do I need to re-enroll in eStatements?

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 always update your preference to only electronic statements if desired.

We provide individual statements for each of your accounts, rather than a combined statement.

Will I continue to receive account alerts?

Most account alerts set before conversion weekend have carried over to UMB. However, we recommend reviewing alerts in online banking to make sure your settings and other information migrated correctly.

Can I continue to use Zelle®?

Access to Zelle® was discontinued October 7 and is not available in mobile or online banking.

Please contact anyone who sends you payments or requests for payments and make arrangements for an alternative payment method.

What does "MANUAL ENTRY" mean on some of my debit card transaction descriptions? 

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. 

 

 

 

Will my authorized, recurring debit card payments continue to process after conversion?
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.
Why did I receive a UMB debit card or an ATM card?
You received a UMB business debit card if you used your previous card to make purchases and withdrawals from a 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.
If I received multiple cards, how do I know which UMB card goes with which deposit account?
Debit cards: The last four digits of your card number and the last four digits of the corresponding checking or money market account 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.
Does my new UMB debit or ATM card have the same Daily Purchase and Cash Withdrawal limits as my previous cards?
UMB has worked to ensure that your card limits are equal to or greater than 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 business debit or ATM card will be affixed.
Can I receive a UMB debit card the same day I request it?
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.
Can I continue to use my existing checks?
Continue to use your existing supply of checks until it runs out. When you’re ready for a new supply, please review our check guidelines. You can then submit an order at a UMB branch or directly at Deluxe.com.
How do I access historical deposit account statements and transaction history?
Up to 19 months of deposit account statements and transaction history from your previous online banking have carried over to UMB. While transaction history is available when you first log in, the last statement from your previous bank will be available after conversion.
Historical account analysis statements did not transfer to UMB systems.
Has the terms for my Certificate of Deposit (CD) changed?
For CDs, known as Time Deposit Accounts (TDA) at UMB, your interest rate, annual percentage yield and term remain the same.
I was already a UMB customer. How does Federal Deposit Insurance Corporation (FDIC) coverage affect my accounts?
Deposit insurance protection covers funds on deposit in any checking account, savings account (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.

Do I need to update my credit card number for any authorized, recurring payments?

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. You should 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.

My credit card has been converted to UMB and is set for autopayments. How do I ensure the payments continue without interruption?

Autopayments will continue as you had them set previously. However, if you use an ACH Positive Pay/Filter service on your bank account, you will need to update the filter to allow the UMB debit to post for payment. This account may be at UMB or it may be at another bank. Please provide these ID values:

  • UMB Commercial Card: 1980455904
  • UMB Card Services: 9470535472

Did rewards from my old credit card carry over to my UMB credit card?

The rewards you accumulated on your current business credit card did not carry over to your new UMB credit card. You can redeem remaining reward points from your old card for cash back, merchandise and travel until 11:59 p.m. CT on Sunday, November 30.

For more information about the UMB rewards program, visit our business credit card resources.

Which branches can I use now?

You can visit any UMB branch for support with your account and daily banking needs. To find a branch near you, visit locations.UMB.com.

Which ATMs can I use now?

You can withdraw funds, retrieve balance inquiries or make deposits at all UMB ATMs free of charge. With UMB, you have access to over 350+ ATMs nationwide at UMB branches.

You also have access to the Allpoint Network. Although the Allpoint Network does not assess surcharges, UMB customers may be assessed outside UMB ATM network transaction fees.

Are my wire templates available through UMB Premier Business Online Banking?

All templates, recipients, and scheduled or recurring series wire payments have carried over to UMB.

Have my recurring and one-time incoming wire transfers been affected?

Most customers can continue using your existing payment instructions at this time. If you do need to change your payment instructions, we will contact you. 

Has my payment information on outgoing wire transfers changed?

Outgoing domestic wire transfers use the UMB routing number 101000695, and no action is needed on your part. Outgoing international wire transfers use the UMB SWIFT BIC UMKCUS44.

Does UMB auto-convert outgoing international USD wires to the beneficiary country’s currency?

UMB will convert some U.S. dollar payments into the beneficiary’s local currency. For most payments, this conversion does not create any difference in experience for the beneficiary. In fact, the beneficiary may receive better exchange rates and quicker payment processing.

Can I select my own intermediary bank for outgoing wire transfers?

Self-selected intermediary banks for online wires are not be available at UMB. UMB selects the intermediary bank using our wire routing tools.

How does UMB handle phone-in wire limits?

Each authorized user is assigned a per-transaction limit.

Does UMB require a callback for phone-in wires?

UMB standard practice requires a callback for phone-in wires depending on dollar limits that have been set up and/or what type of account you have. We will contact impacted customers directly and provide additional information.

Can I continue to use my 4-digit PIN to authorize phone-in wires?

If you previously used a 4-digit PIN, you must use a token going forward. We will contact impacted customers directly and provide additional information.

Can I email or fax wire instructions to the bank?

UMB requires wires to be initiated by an authorized user online, at a branch, or via the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

Can I continue to receive wire transaction details via email and fax?

UMB does not send sensitive payment details via email or fax. You will need to retrieve payment details in online banking.

Does UMB require dual approval for outgoing wire transfers initiated online?

UMB standard practice requires dual approval for online wires, where one user initiates the payment and a second, different user approves it.

Has sender information for outgoing wire transfers that are initiated online changed?

UMB uses the Subsidiary field in online banking to populate the sender information on an outgoing wire. Your previous online banking account used the Account field to populate sender information.

For phone-in wires, is there a new number to call to initiate wires?

Please call the UMB Wire Transfer department at 1-888-449-4737 (1-888-44WIRES).

Do I need to update the ACH payments and deposits that I have set up?

Most customers do not need to update one-time or recurring ACH transactions. Continue to use your existing routing and account number information. If you need to make an update, we will contact you.

Are my ACH templates available through UMB Premier Business Online Banking?

All templates, recipients, and scheduled or recurring series ACH payments have carried over to UMB.

Has anything changed with the terms and conditions of my loan?

Your loan is based on terms that were set when your loan documents were signed. Your current loan documentation has not changed based on this transition.

My loan/line of credit has been converted to UMB and is set for autopayments. What do I need to do to ensure my payments continue?

Most loan autopayments will continue as you had them set previously. However, if you use an ACH Positive Pay/Filter service on your bank account, you will need to update the filter to allow the UMB debit to post for payment. This account may be at UMB or it may be at another bank.

You’ll need to contact your bank to update your preferences to allow UMB to debit your account by adding UMB’s Company ID (COID) to your authorized list. 

Company ID for UMB Loan Payments:

  • 1101000695

Company IDs for Commercial Card Payments:

  • 1980455904
  • 9470535472
  • 8470535472
  • 8470535473

I have set up automatic transfers to pay extra on my loan outside of the scheduled regular payment amount. Will my extra payment setup continue?

Additional payments did not carry over to the UMB system (i.e., separate, additional payments added to your regular monthly loan payment on a separate date from your monthly due date). Go to Payments and Transfers in your online banking account to reestablish your automatic additional payments, or visit a UMB branch to make an additional payment.

How do I make my loan payment?

Refer to your monthly billing statement for your loan number and payment options. This statement will include an updated address for loan payments, and using this updated information will expedite payment posting.

I have an overdraft line of credit that transfers money to my deposit account in case of an overdraft. Will this setup continue?

Most overdraft lines of credit require no action and will automatically continue after conversion. If you require a new setup before conversion, we will contact you.

My loan is paid through another financial institution’s Bill Pay platform. Will that set up continue?

Please use your UMB billing statement to ensure the bill payment is directed to the updated address and loan number (where applicable) for loan payments.

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.

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.

Visit Google Play 
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