Real-Time Payments

THE FUTURE OF PAYMENTS IS HERE

Receive your money — instantly — with Real-Time Payments

Real-Time Payments

THE FUTURE OF PAYMENTS IS HERE

Receive your money — instantly — with Real-Time Payments

Instant payments are the future, and with UMB, you’re ready. Starting November 29, 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 starting November 29.

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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:

Personal
Receive insurance reimbursements
Instant “cash out” for certain delivery drivers and shift workers
Settle IOUs with friends on the spot
Transfer emergency cash to family
Pay utility and other bills
Business
Confirm customer payments immediately
Handle urgent invoices for goods/services
Accelerate account reconciliation
Communicate with customers using real-time messaging

Sign up here to be among the first to know when more RTP features are active for your account.

Thank you for your interest!

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Real-Time Payments FAQs