Banking Expert > Online Banking > UMB Online Banking
UMB Online Banking is making some enhancements to its online banking service. These enhancements are the result of feedback and suggestions we’ve received from YOU. The enhancements include paperless statements, upgraded bill pay, extended support for Money and Quicken products, and more. UMB Online Banking provides checking, savings, and CDs; credit cards; commercial, installment, and small business loans; home equity lines of credit, letters of credit, mortgages, and loan syndication services; and asset-based financing and securitization, equity and mezzanine financing, factoring, private and public placement of senior debt.
Banking Online with UMB Online Banking
Enroll with UMB Online Banking by following three simple steps
- Authenticate your account and identity.
- Create your Online Banking user ID and password.
- Create a security profile.
UMB Online Banking Benefits
- Free – no charge for online banking or bill pay
- Convenient – 24/7 access to your accounts
- Secure – protected by multiple layers of security
- Saves time – quick access from any computer anywhere
- Hinders identity theft – fraud is discovered earlier with online banking
- Budget management – track your finances with Quicken®
UMB Online Banking Features
- Paperless statements
- Check account balances
- View transactions and checks
- Free and enhanced bill pay
- View credit card activity and make payments
- Transfer funds
- Reset your password online
Viewing Account Activity on UMB Online Banking
- Viewing Balances
- Viewing Transactions
- Searching for Transactions
- Downloading Transactions to Quicken or MS Money
- Downloading Monthly Statements
- Viewing the Image of a Check
- Nicknaming Bank Accounts
- Accessing UMB Credit Card Accounts
Paying Bill with UMB Online Banking
UMB online banking allows you to pay bills electronically from your eligible UMB accounts. Always make sure adequate funds are available prior to initiating a bill payment. If you have the UMB overdraft protection service, the line of credit provided by this service may be accessed to cover a potential overdraft against your deposit account. Refer to the Overdraft Protection section of this guide for more details.
You can make payments through online banking to any business, merchant or professional that generates a bill or invoice for products or services provided to you or on your behalf, and that has an address can be verified . You may also make payments to individuals, family, or friends for non-business purposes. Payments may be made only to Payees with a U.S. payment address. You may not make a payment of alimony, child-support, taxes, or other governmental fees, court-directed payments, or payments to settle securities purchases through online banking.
Transferring Funds to another Account UMB Online Banking
UMB online banking allows you to transfer funds between eligible UMB online accounts. Always make sure adequate funds are available prior to initiating the transfer. Transferred funds will not be available for bill payment until the business day following the transaction date of the transfer.
If funds are not available in the account the funds are coming from and you have overdraft protection for that account, UMB will automatically draw the difference from the line of credit.
You can initiate a transfer on any bank business day prior to 9 p.m. CT. To do so, follow the steps below.
- Click the Transfer Money link on the left menu.
- On the Transfer Money page, select the source of the money from the from account list.
- Select the money’s destination account from to account list.
- Enter today’s date in the Date box, in the format mm/dd/yyyy (or click the calendar button to select the date from a calendar). This is the date you want the money to be transferred. If you specify today’s date and you submit the request before 9 p.m. CT, UMB will process the transfer today; after 9 p.m. CT, UMB processes the transfer on the next business day.
- Enter the Amount of the transfer.
- Enter an optional Memo for the transfer.
- Click Submit.
Your online balance will immediately reflect any transfers you have made, but your online statements will not immediately display these transfers. UMB Bank needs a certain amount of time to update its records and your online statement information.