Notice to UMB Cardholders Click here if you recently received a replacement card as a result of a potential compromise.

Online Banking

Pay your bills online. It saves time and money. Learn More!

Security and Privacy

Protect yourself with these safety tips.
Learn More.

Apply for an Account

Customer Service

UMB Deposit ATMs






Quick, Secure and Accurate

Now available at many locations, UMB Deposit ATMs provide envelope-free,
hassle-free, worry-free deposits on your schedule.

Watch Video



Frequently asked questions about the new UMB Deposit ATMs:

What is better about the new Deposit ATMs?

  • No envelopes or deposit slips are needed when making a deposit
  • Your receipt will display deposited check images for your records
  • You can avoid waiting in line at the teller window by making your deposits at the ATM
  • Many UMB full service ATMs are available for deposits 24 hours a day, seven days a week, 365 days a year

How accurate is the new ATM?
Very! A high-resolution scan is done of the check, so there is no misinterpreting the information written on it. A copy of the check is printed on the receipt for record keeping and to verify accuracy. You get assurance that your checks and cash were deposited accurately. The receipt’s check image is printed without any account numbers to protect your financial information

How do the Deposit ATMs read my check?
A high-resolution Optical Character Recognition scan is done of the check to determine its dollar value. In addition, information is obtained from each check’s account and routing numbers that are encoded with magnetic ink. Keep in mind that the ATM is not able to accept checks printed on machines that do not use magnetic ink, such as home printers.

How do the Deposit ATMs read the cash?
Each bill is scanned using Optical Character Recognition and verified for authenticity.

What do I do if the deposit I made does not match my receipt?
Call UMB Customer Service at 1.800.860.4862.

What do I do if I do not get a receipt for my deposit?
Sign in to UMB Online Banking or Mobile Banking to review your account activity or call UMB Customer Service at 1.800.860.4862 to confirm your deposit.

Can I deposit coins at the ATM?
UMB ATMs do not accept coin deposits. Please take your coins to a UMB Banking Center for deposit.

Will the ATM machine accept foreign checks or currency?
UMB ATMs do not accept foreign checks or currency. You may visit a UMB Banking Center to exchange your foreign currency for U.S. Dollars and make your deposit.

What if the ATM does not accept my check(s) or cash?
The ATM may not be able to read or accept checks or dollar bills which are in very poor condition. In these cases the ATM will return the check or bill to you. Please take these items to a teller for deposit assistance.