Mobile and Online Banking How to bank with UMB

Mobile and online banking is quick and easy with UMB. Access your accounts online or through our app so you can bank from your couch or even the dentist office.

Ways to bank with UMB

How to bank with UMB

You’re busy, which mean banking needs to fit your lifestyle. With UMB, you can choose the best way to bank for you.

Bank well. Be well.

We are here for you and your financial needs during this challenging time. Our branches are open for lobby visits, personal appointments, drive-thru, phone or online service to care for your financial and banking needs. You can find current branch hours on our branch locator page.

Please visit our COVID-19 resource page for up-to-date information on our pandemic response. We look forward to caring for your financial needs.

Mobile banking

Manage your bank account from your mobile device and experience all the features you need to keep your finances up-to-date while we all stay-in.

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Online banking

UMB’s online banking gives your secure access to your accounts so you can transfer funds, set alerts and focus on your financial plan at home.

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Find an ATM

All UMB ATMs allow you to withdraw cash, transfer funds and check your balance. Our full-service ATMs will also allow you to deposit checks and/or cash.

Find an ATM

Text banking

Once you register your device and verify your phone number, you can access key account information with simple text commands. This feature lets you quickly and easily check your account balance, transfer funds, and more without requiring an account sign in. Any text-enabled mobile device can be used for UMB text banking. Text any of the established text codes to: 226563
Click here to view a list of the available text commands.

View the Text Banking Terms and Conditions 

Phone banking

Your bank account information is just a touch away with phone banking, our 24-hour account access system. You can check your account balances or loan information, and transfer funds between accounts or order checks. In the Kansas City metro area, call 816.860.4862. In other areas, call 800.860.4862. If you have questions, you can press “0” and be transferred to our customer service line. In the event of long hold times, please use our call back feature and we will save your place in line and call you back.


ATM Deposits*

UMB’s full-service ATMs are available 24/7 for you to make check or cash deposits without the need for a deposit slip or envelope. You can choose to print an itemized receipt that includes subtotals of all cash deposited and a front image of all checks deposited. Use our ATM Locator to find full-service UMB ATMs closest to you.

*Not all ATMs accept deposits. See ATM locator for details.

  • Convenient access, however you prefer to bank

  • Responsive support to help you navigate banking

  • Branch and ATM locations across our eight-state footprint

  • Member of the Allpoint ATM Network, with more than 55,000 ATMs worldwide*

*No ATM surcharge will be applied at the ATM. Other ATM usage fees may apply. See our UMB Consumer Banking Schedule of Service Fees and Charges for details.

Digital wallet

UMB’s accounts work seamlessly with the latest digital wallet technology, including Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay. You can carry your credit, debit, gift and membership cards all with your device and pay in-person, online or in-app with just a tap.

View the Digital Wallet Terms and Conditions

Paperless account statements

Reduce clutter, cut down on paper waste and manage your checking and savings accounts on your time with paperless account statements and online banking. Select paperless statements from your online account dashboard or call 800.699.8702 for assistance. Then, we’ll send an email notifying you when your statement is available online to view, print or save.

Start your emergency fund with a UMB savings account.

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Choose the UMB credit card with the rewards you want.

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Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender

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