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Mobile Banking App FAQs

Accessing and Navigating the UMB Mobile Banking App

What does the app do?
UMB Mobile Banking is an app available for both iOS and Android. The app allows UMB Bank customers to:

  • View balances and transactions on checking, savings, health savings, credit card, and loan accounts
  • Transfer funds between checking and savings accounts
  • Pay bills
  • Deposit checks* into UMB checking or savings accounts
  • Find ATMs or banking centers
  • Manage account alerts related to security and account activity

*Mobile check deposits are subject to limitations.

Where can I see the app’s terms and conditions?
The UMB Mobile Banking Services Agreement and the UMB Mobile Banking Remote Deposit Terms and Conditions are both displayed for your review and acceptance within the app. Once accepted, the agreement and terms are not displayed again, unless they have been revised. To view the documents online, please visit www.umb.com/personal/mobilebanking.

Can I update my contact information via the app (i.e. phone number, address, email address, etc.)?
No. All contact information must be updated through the online banking platform.

Will the credit card rewards program be accessible through the mobile app?
No, but you can still access your rewards program through online banking.

How long after setting up online banking do I have to wait to be able to log in to the app for the first time?
Enrollment into online banking and the mobile app is in real time. Once you enroll in online banking you can download and log in to the mobile app immediately.

I have enrolled in online banking and I have downloaded the app on my device. Do I have to register my phone or do anything else before I can log in?
No. However, if you have the previous version of the UMB mobile app on your device, we highly recommend deleting it before downloading the new app.

On what operating systems does the mobile app work?
Our app is supported for iPhone iOS 6 and newer and Android 2.3 and newer. We currently do not support mobile phones using the Windows® operating system (OS). However, Windows OS users can access the mobile-enabled website via their phone at m.umb.com.

If I open an additional account after I have downloaded the mobile app, will it be automatically added to the app?
Yes. When you open an additional account, no action is needed to add the account to your mobile app. The new account will automatically be accessible via the mobile app, mobile web and online banking.

Does UMB’s mobile app support quick launch using Apple Touch ID or a passcode?
Yes. Based on the type of mobile phone and operating system you have, the UMB Mobile Banking app supports quick log in using Apple Touch ID and/or passcode entry. This can be set up in the settings tab by selecting the passcode settings feature. This feature offers quick, secure access to view your accounts, balances and transactions. However, if you would like to make a bank transaction, like deposit a check, you will need to fully log in to the app.

How do I set up Apple TouchID and a passcode?
After logging in to the app, tap the menu icon in the upper left corner and select "Settings." From the Settings menu, select "Passcode Settings." Enable the toggle for "Sign in with passcode at launch." You must enable the passcode if you’d like to use Apple Touch ID. Enable Apple Touch ID with the toggle. In the Display Name field, enter a description for your profile, and tap "Change Passcode" at the bottom of the screen. On the next page, enter your four-digit passcode in each set of the four boxes and tap "Save."

Why didn't I get prompted to use Apple TouchID or my passcode?
Logging in to the app with your passcode or Apple Touch ID is a less secure method than using your UMB user ID and password. To better protect your accounts, UMB only permits authentication via passcode or Apple TouchID within 36 hours of a log in with your user ID and password.

In some cases, you may observe that you are asked to enter your user ID and password even when you are within 36 hours timeframe of a prior login. If this occurs, it may be due to UMB performing system maintenance, which erases the time elapse history since your last session.

Why do I have to answer my security question after providing my password?
UMB is constantly working to provide a secure and convenient online banking for you. As part of a secure login process, you may be prompted to answer a security question our security system detects that a component of your profile differs from your last session. This may include using a different device, using a different Internet network, or other factors.

Can I enroll in online banking and mobile banking from home?
Yes. If you are already a UMB customer and have an active account with UMB, you can click here to enroll in UMB Online Banking. Once you are enrolled, you can download the UMB Mobile Banking app and start using the app immediately.

Balance and Transaction History

Will I be able to see check images or deposited images on the mobile app?
Images of items will not be available through the mobile app at this time. You can view item images by logging in to online banking, or accessing our mobile website from your mobile device at m.umb.com.

Transfers

Can I make external transfers using the mobile app?
Currently this is not a feature offered in the mobile app. However, you may make external transfers in UMB Online Banking at umb.com.

Bill Pay

Can I create a new bill payee in the mobile app?
No, payees can only be created in UMB Online Banking. Once created, they will be automatically available in the mobile app.

Can I set up recurring bill payments/transfers in the mobile app?
No, this function is not yet available in the mobile app. To set up recurring bill payments and transfers, you can log in to online banking or access our mobile website from your mobile device at m.umb.com.

Alerts

Can I choose which account alerts are sent to me?
We send many types of notifications and alerts to you via email to keep you informed and up to date regarding your accounts. Some alerts are system-generated and cannot be turned off, but some can be customized to your preferences. You can sign up for specific account alerts that can help you monitor and manage your account, like transaction alerts and low balance alerts. You can view and change your account alert preferences from within online banking or the mobile app.

How do I enable alerts?
To receive alerts either via text message or email, log in to online banking and click “Manage Mobile” under the Mobile Banking menu. If Account Alerts does not appear by default, click “Alerts” in the top menu and select Account Alerts. You may need to add a channel to receive alerts. Channels are either a phone number for a mobile phone or an email address. From here, you can enable alerts for each of your UMB accounts. You can choose alerts to be delivered to you via text message or email.

Text Banking

How do I rename my accounts?
You have the ability to change your account names to nicknames that are easier to recognize. To set an account nickname, log in to online banking, click “Manage Mobile” under the Mobile Banking menu, click the preferences link in the top menu, and then select “Account Preferences”. Select the account you’d like to rename and enter the new name for the account in the “New Nickname” field. If you want the account to be the first account in your list, toggle Default Account to the right and click Save.

How do I enable a phone number for alerts or text banking?
To receive alerts or to send text banking commands from your mobile phone, log in to UMB Online Banking and click “Manage Mobile” under the Mobile Banking menu. Click “Alerts” from the top menu and select “Manage Channels”. Click “Add Channel” and mobile phone will already be selected. In Step 1, enter the phone number of the mobile phone you’d like to enable for text banking or alerts and click “Send Code”. A security code will be texted to that phone number. When you receive the code from UMB on your mobile phone, enter it into the field under Step 2 and select “Verify Code”. Once verified, go to Step 3, enter a nickname for your phone and click “Save”.

Once your phone number has been enabled, you can use text banking commands. First, enter UMB’s text banking phone number, 50106, into your contacts. Next, send a text command to that number. For instance, you can send “bal” to receive the balance amount for all of your available UMB accounts. To view a list of your text command options, visit the Text Banking page on umb.com. Messaging rates may apply, check with your wireless carrier.

Mobile Deposit

How do I make a deposit from the mobile app?
Deposit a check using the UMB Mobile Banking app:

  • Open the app and log in using your UMB user ID and password.
  • Select “Deposits” from the top left menu or from the quick links at the bottom of the home page.
  • Prepare the check by signing it on the back and writing “For Deposit Only” underneath the signature.
  • Lay the check on a flat, dark background, like a table or desk, and press the “Front of Check” button in the app to open the device’s camera. Customers will need to make sure the front of the check is within the displayed border before taking the photo.
  • Next, flip the check over and repeat the process for the back of the check using the “Back of Check” button.

Once the customer has photographed the front and back of the check, they will need to:

  • Select which account to deposit the check funds into and enter the amount of the check in the designated field.
  • When finished, select “Next” in the top right corner and review the deposit details.
  • Select “Submit” in the top right corner if everything is correct.
  • You will receive an email that the deposit was received, and a second email when your deposit has been approved or declined. If a deposit is declined, the reason for the decline will be included in the email.
  • It is recommended you keep the deposited check for 10 days.

What are the criteria for submitting check images for mobile deposit?
To be valid for deposit, the pictures of your check must meet a number of criteria. To improve image quality, ensure the following:

  • The picture is clear and shows all four corners of the check
  • The lighting is strong enough to see the check details
  • Your check is placed on a dark background
  • Your check is laid flat with no folds or creases
  • The picture is taken from directly above the check while holding the camera very still

Checks must also be endorsed (signed) before you take a picture. It is recommended that you write “For deposit only” beneath your signature. Unsigned checks may be returned by the payor's bank and any deposit credit added to your UMB account will be reversed.

How long should I keep my paper check after making a check deposit with the app?
Securely store your deposited check for 10 days after you have received the deposit approval email.

How will I know if UMB has accepted and processed my check deposit?
When your check deposit is processed and successfully posted, you will receive an approval email and the transaction will display in your UMB online and mobile banking account activity. We will notify you by email if the deposit is declined, including the reason for the decline.

How long does it take to approve a deposit?
Check deposits are generally approved or declined on the same banking day they are received. Check deposits received after 6:00 p.m. Central Time Monday through Friday, or during weekends or holidays, will not be reviewed and approved until the next business day. Once the deposit is approved you will receive an email stating the deposit was accepted. Once a deposit has been posted to your account, you will see a transaction description of “RDC DEPOSIT”.

Why would a check deposit be declined?
There are a number of reasons why a check deposit is declined, including:

  • Check type is ineligible for deposit through UMB mobile deposit
  • Check was previously deposited (duplicate item)
  • Missing endorsement (signature)
  • Deposit amount exceeds your current daily or monthly deposit limits for mobile deposit
  • Number of checks deposited exceeds your daily or monthly limits for mobile deposit
  • Poor image quality

In some instances, our mobile app will notify you with an error message. In other cases, we will notify you by email of the rejection of any check deposit found during processing.

What types of checks are accepted for mobile deposit?

  • Personal checks
  • Business checks
  • Government/Treasury checks

Checks must be from a U.S. institution and in U.S. dollars.

What types of checks cannot be deposited using the mobile app?

  • Cashier’s checks
  • Money orders
  • Travelers checks
  • Starter/counter checks
  • Checks greater than 180 days old
  • Checks payable to another person

 

Which accounts can I use to make deposits?
Consumer and small business checking and savings accounts accessed through your online banking access, are eligible for mobile deposits. Once the deposit is made, you can manage your funds between accounts using the transfer funds feature.

What if I have a check that is more than my remaining dollar limit for mobile deposit?
Please visit your local UMB branch or ATM to make the deposit. Checks amounts that exceed your daily or monthly limit will be rejected on the mobile app.

What is the deposit cut-off time for mobile deposit?
The deposit cut-off time is 6:00 p.m. CT, Monday through Friday. If you deposit a check after 6:00 p.m. — or on a non-business day or holiday — your deposit will be processed the next business day.

When will my funds be available?
Deposits are subject to verification and funds may not be available immediately. Once the deposit has been received, you’ll be able to view the pending transaction online or on your phone. In general, deposits received before 6:00 p.m. CT Monday through Friday will be processed that day, with up to $200 total per day available for withdrawal immediately upon approval. The remainder of the funds will be available by the first business day after the deposit. In some cases, we may delay availability of funds based on other factors. Checks received by the applicable cut-off time on a business day are usually available in your account the next business day.

Any check over $500 deposited after hours or on the weekend or a bank holiday is subject to review and will not be given the $200 provisional credit until the next business day.

Is mobile deposit available on Mobile Web and the mobile app?
Mobile deposit is available only through the UMB Mobile Banking app.

The check I deposited was returned. Should I re-deposit it through the mobile app?
No, do not re-deposit a physical returned check using the mobile app. When a check is returned, regardless of how you deposited it, your account may be assessed a returned item fee (see our Schedule of Services and Fees and Charges) and you will receive a copy of the returned deposited item in the mail. If you want to re-deposit the returned check, we can assist you at your nearest UMB branch.

Is there a charge for mobile deposits?
There is no charge to use the mobile deposit feature.

What happens if the check is deposited more than once?
UMB monitors transactions to identify duplicate deposits. If a second deposit of the same item occurs, that item will be returned and your account may be assessed a returned item fee.

I selected the wrong account for deposit. What should I do?
You can use the funds transfer option in online banking or mobile banking to transfer the funds to another UMB account. However, it may be necessary to wait until all of the deposited funds are available.

Who can use mobile check deposit?
Mobile check deposit is for any personal banking or small business customer who:

  • Is an authorized signer or owner of an UMB checking, savings or money market account
  • Is enrolled in our online banking service
  • Has a phone supported by iPhone® or Android™
    • iPhone iOS versions 6 and newer
    • Android OS versions 2.3 newer
  • Uses a supported UMB mobile app

If a person is removed from a checking account, will their access through the mobile app be removed too?
Yes. Only authorized owners of an account will have access to those accounts via the mobile app. This is maintained through the account verification done at log in based on your user ID.

Can I photograph more than one check at a time?
No, you can only submit images (front and back) for one check per deposit transaction. However, you can deposit multiple checks in the same banking session. Check deposits are subject to limitations.

Will the balances in the app reflect a deposit that is on hold or has not yet been approved?
No, balances will not be updated in the mobile app until the deposit has been approved by the bank. Some funds may or may not be immediately available and it is suggested you wait and check your account available balance before using recently-deposited funds.

What if I made a deposit and it does not show in my transaction history?
If a deposit you made does not appear in your account history, you may contact the mobile banking department at 1.888.782.4325 for assistance.