Real-Time Payments

Family shadow travel in airport


Receive your money — instantly — with Real-Time Payments

Instant payments are the future, and with UMB, you’re ready. You can receive payments instantly with Real-Time Payments (RTP®).

RTP is a new payment method accelerating cash flow directly between bank accounts and streamlining the payments process. RTP is available 24/7/365, so you can receive money in real-time, even on weekends and holidays.

All UMB customers are automatically eligible to receive instant payments with RTP for personal, business and commercial banking needs.

What’s next: Send instant payments and more

We’re looking forward to introducing more RTP features in 2023 and beyond, including the ability to send instant payments.

As we continue to add new RTP capabilities, here are a few of the many ways you will be able to take advantage of instant payments:


  • SVG

    Receive insurance reimbursements

  • SVG

    Instant “cash out” for certain delivery drivers and shift workers

  • SVG

    Settle IOUs with friends on the spot

  • SVG

    Transfer emergency cash to family

  • SVG

    Pay utility and other bills


  • SVG

    Confirm customer payments immediately

  • SVG

    Handle urgent invoices for goods/services

  • SVG

    Accelerate account reconciliation

  • SVG

    Communicate with customers using real-time messaging

    All UMB deposit account customers* can receive instant-payment transfers to their UMB accounts. Your account will automatically be enabled for instant payments. There’s nothing you need to do to “turn on” on this feature. When a person or business uses an instant payment method to send money to you, you’ll receive it in your account within seconds.

    * Some exclusions apply. For questions about the RTP network, please contact us at 1.800.860.4862.

    UMB is excited to offer you even more RTP features in 2023 and beyond, including the ability to send instant payments.

    To learn more about this exciting payments evolution, read UMB Executive Vice President and Director of Product Management Uma Wilson’s article on instant payments.

    You can also refer to these FAQs provided by The Clearing House.