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UMB Mobile Banking Services Agreement

Note: When you enrolled in UMB Mobile Banking, you agreed to our Mobile Banking Services Agreement. The current form of that agreement is given below for your convenience.

This is the UMB Bank Mobile Banking Services Agreement (the “Agreement”). The Agreement contains the terms and conditions that apply to UMB Bank’s Mobile Banking Service (“Mobile Banking” or the “Service”). When you subscribe to or use the Service, this Agreement applies. Please read this Agreement carefully. 

As used in this Agreement, "you" or "your" refers to each consumer or Small Business customer who enrolls in our Mobile Banking Service, or any other person who is allowed by an enrolled customer to use the Service. A “consumer” is a person whose Accounts accessed by the Service are held primarily for personal, family or household purposes. A “Small Business” customer is a sole proprietor, partnership, corporation or other form of business entity that accesses accounts through the Service that are classified on our books as “small business” accounts. You must be a consumer or Small Business customer to use Mobile Banking.

"We," "us," "our" or “UMB Bank” refers to UMB Bank, n.a. or the FDIC-insured depository institution affiliated with UMB Financial Corporation at which your Bank Accounts are maintained, and our successors in interest. “UMB Bank Account” means any account at UMB Bank to which you have access through Mobile Banking. The term “UMB Bank Account” does not include investment-type accounts offered by or through us such as your Asset Management Account, your UMB HSA Saver® Account, your HSA Self-Directed Brokerage Account or your HSA Money Market Fund Account.[1]Account” means any account, including an investment-type account referred to in the preceding sentence, that you have that can be accessed by the Service to obtain information or transact other business as described in this Agreement.

E-Sign Consent; Your Consent to Receive this Agreement in Electronic Form. In order to access your Account(s) through Mobile Banking, you must agree to the terms of this Agreement, using a form of electronic consent. The Agreement includes this E-Sign Consent and the Mobile Banking Terms and Conditions below. When you click on the “Agree” button at the end of this document, you consent to receive the Agreement electronically, and you consent to its terms.

In order to receive this Agreement electronically, you will need an electronic Web- enabled device such as a personal computer, tablet, notebook, Smart phone, or a Web-enabled mobile device, all of which require reasonably current Web browser software. When accessing the Service through a Web-enabled mobile device, you must ensure that your carrier’s mobile plan includes a data plan. 

Your consent to receive this document electronically applies to this Agreement and to any changes that we may make to this Agreement in the future. We will give you notice of any changes to this Agreement in the manner set forth below in the section of the Agreement titled “Amendment”. If you continue to use the Service after you receive notice of changes to the Agreement, you consent to the changed terms.

A current version of this document is available on www.umb.com/personal/mobilebanking, and may be printed or reviewed online.  If you would like to receive a paper copy of this Agreement after consenting to receive it electronically, you may call us at 800.699.8702. There is no charge to have a paper copy of this document mailed to you.

If you want to withdraw your request to receive updates to the Agreement electronically, please call us at the telephone number listed above. If you revoke your consent to receive updates to this Agreement electronically, we will cancel your access to Mobile Banking. To update the telephone number assigned to your Mobile Banking Service so that you can receive a notice from us in the event the Agreement is changed, you must access the Manage Mobile link within Online Banking or call one of our Mobile Banking support representatives at the number provided above.

Our Mobile Banking Terms and Conditions

  1. Summary Information.
    1. Supported devices. You can access our Mobile Banking Service by using a variety of supported electronic mobile devices. To participate in the Text Messaging/ SMS (“short message service”) feature, your device must support Text Message / SMS, and you must have a Text Message / SMS plan with your mobile carrier. To use Mobile Banking over the Internet using your mobile Web browser, your device must contain current Web browser software, and you must be subscribed to a data plan with your mobile carrier. Our Mobile Banking Service is also accessible using Mobile Applications (Mobile Apps) for selected mobile devices using Android™ or Apple® operating systems. Our Mobile App, if available for your mobile device and operating system version, will be made available through your device-specific App Store. Mobile Banking using a Mobile App also requires you have a data plan with your mobile carrier, and your mobile device must support Mobile applications.

      We are not responsible if you attempt to access the Service using an unsupported mobile device.

      You may receive technical advice on the Service, Mobile Apps and Web browsers that we support by calling us at 800.699.8702.
    2. Getting Started. You may enroll for Mobile Banking at www.umb.com/mobile or through our Online Banking Service to begin receiving the Service. If you are already enrolled for our Online Banking Service and have a mobile device that supports the Mobile Web or Mobile Apps, you can simply go to m.umb.com or download our Mobile App from your mobile device’s App Store and sign in using your Online Banking User ID and Password. For Text Message / SMS Mobile Banking, our Online Mobile enrollment application will send your mobile device an access code that you must enter within the Mobile Enrollment process to activate a particular mobile device. This is to ensure that you are in possession of the device being enrolled for Text Message / SMS Mobile Banking.

      You are allowed to enroll multiple mobile telephone numbers for the Text Message / SMS feature of Mobile Banking. Text Message / SMS Mobile Alerts can also be sent to multiple telephone numbers for the same Mobile Banking user profile.

      Using Mobile Web Banking, any User ID and Password can be used to access the Service from a web-enabled device with a data plan. Mobile Web Banking does not associate a User ID and Password to the mobile device accessing the Service.
    3. Protecting Your Mobile Device. Although your User ID can be saved within the Mobile Device, your Password is not and should not be saved to your device. For your security, we strongly recommend that you never save passwords on your mobile device. Your Mobile Banking Password is protected by industry-standard encryption when entered on the mobile device.

      You must notify us immediately if you change any telephone number that you have enrolled to receive the Service, or you may enroll your new telephone number and delete your old telephone number using Manage Mobile within our Online Banking Service. You must take this step to ensure that any Text Message / SMS Messages for which you have enrolled continue to be sent to the mobile device that you intend. The Alerts feature of the Service will continue sending Text Message / SMS Alerts to the telephone number enrolled for the service even if the associated User ID or Password is changed, your access to Accounts through the Service is blocked, or when other security aspects of the Service get modified. In addition, if you have installed the Mobile App on a device, any alerts set-up to push to the Mobile App will continue to be pushed to the device while the Mobile App is installed. To discontinue receiving all or specific Alerts, you must modify your Alert settings within the Mobile Apps, from the mobile enabled website, or from within Online Banking using Manage Mobile, or call us at 800.699.8702.

      You agree to indemnify, defend, and hold us, our affiliates and service providers harmless for failed, delayed or misdirected delivery of information because of any error you make in enrolling your mobile device in our Mobile Banking Service or because you fail to update us on any change to your authorized mobile device.
    4. Alerts. You can sign up to receive banking-related text message Alerts to your mobile device. We use the “SMS” or short message service format to send you Text Message Alerts. Alerts can also be sent to your mobile Web browser, to an email address you provide in the Service, or to your Mobile App (i.e. iPhone® App). Our online FAQs explain how Alerts are delivered to each of those different types of devices, and are available at https://www.umb.com/Personal/MobileBanking/. The FAQs are not considered part of this Agreement and do not vary the terms of this Agreement.

      Text Message / SMS Alerts are received by your mobile device in the same manner as other text messages, and may be read by any person who uses your mobile device. We are not responsible for protecting the confidentiality of your Alerts under those circumstances. We recommend that you delete Text Message / SMS Alerts after you have read them.

      You can set up a variety of transaction and security Alerts using our Mobile Banking Service. You specify your preferences for Alerts, which you can access either on your mobile device if using Mobile Web Banking or Mobile App, or through Manage Mobile within Online Banking.
    5. Text Banking. Our Mobile Banking Service allows you to send us certain commands that make it easy to manage your banking relationship with us. Commands should always be sent to our 50106 short code. For example, when you send us a “Bal” command to our short code, we will send you the current balance in your account(s) that you have specified to be accessible through Mobile Banking.
    6. Web Mobile Banking Functions. You can access Mobile Banking using the browser on your mobile device to view your Account balances or Account transaction history, to make certain Account-to-Account transfers, and pay bills to payees that have been pre-established within our Online Banking Bill Pay service.
    7. Mobile Application Functions. UMB supports Mobile Apps for select devices. The App will offer the same functionality that is available through Web Mobile Banking, but with an enhanced user experience customized to the mobile device supporting the App.
    8. Remote Deposit. You can deposit checks to your UMB Accounts using your Mobile or tablet Apps. Limits on the dollar amount and number of checks you can deposit through Remote Deposit apply. Please reference the Remote Deposit Terms and Conditions for more detail.
    9. FAQs. Frequently Asked Questions (FAQs) about our Mobile Banking Service are available at https://www.umb.com/Personal/MobileBanking.

      Our FAQs address additional technical and security aspects of the Service.
  2. More Details on Mobile Banking Alerts. Our Mobile Banking Service provides Alerts that are an easy way to receive information about your Accounts.

    You can set-up Alerts to let you know things like when an Account balance falls below a certain level (a “low balance” alert), when a particular check posts to your Account, when you have an e-statement available in our Online Banking Service, and when you receive a credit (deposit) or make a withdrawal.

    Two different withdrawal alerts are available. One alerts you for any withdrawal from the designated Account, including, but not limited to, teller withdrawals, ATM withdrawals and point-of-sale (debit card) withdrawals. Another will allow you to set a transaction threshold, and will only alert you when particular withdrawals exceed that threshold.

    You can also set up security alerts that will let you know when your User ID or Password has been changed, or when your Mobile Banking Service or Online Banking Service has been locked or unlocked. Those services may be “locked” for a variety of reasons, including too many attempts to sign into the service using the incorrect password. You will be required to contact one of our personal service representatives in order to have the service unlocked. We can also alert you when an overdraft fee has posted to your Account, i.e. a transaction posted to your Account that has created an overdraft fee, whether the transaction is paid or returned.

    Mobile Banking comes with a “Do Not Disturb” setting which allows you to specify times that you do not want to receive Alerts. When traveling, you can change your time zone on your mobile device to auto adjust your “Do Not Disturb” settings. Alerts will queue during your Do Not Disturb window, and will be delivered once that timeframe has passed. By default, the “Do Not Disturb” settings are set to 10 p.m. through 7 a.m. unless you modify them. You may also specify a date range for which Alerts should not be sent to your mobile device within Manage Mobile or by contacting our Service Center. When the date range feature is utilized, any Alert activity that would have otherwise occurred during the specified date range will never be delivered to your mobile device. The date range functionality does not allow for Alerts to queue for later delivery.

    You agree that we are authorized to send Alerts to the mobile phone number that you enroll with the Service. Sending you Alerts will require us to send the alerts through your mobile carrier. For your protection, we do not display Account numbers in Mobile Alerts or as a part of our Mobile Banking Service. The only place Account numbers will appear, in a truncated fashion, is within Mange Mobile in our Online Banking Service.
  3. More Details on Getting Bank Account Info through Mobile Banking.
    1.  UMB Bank Accounts. With the Service, you can check your balance and obtain certain transaction information regarding your UMB Bank Accounts.

      The Service will enable you to obtain balance and transaction information about the following types of UMB Bank Accounts that you have opened with us: checking accounts, savings accounts, Health Savings Accounts (HSAs), Individual Retirement Accounts (IRAs), Certificates of Deposit (CDs), overdraft lines of credit, consumer loan accounts, home equity lines of credit, and credit cards.

      The “Balance” displayed in the Service for your UMB Bank Accounts includes deposits still in the process of collection or that have not yet been verified by us (rather than collected funds). The “Balance” displayed will also reflect electronic debits that we have received but have not yet posted to your UMB Bank Account, such as ATM withdrawals, debit card transactions or other electronic payments. You may need to adjust the “Balance” shown in the Service to take into account transactions you have made but that have not yet been presented to us, such as outstanding checks you have written and other electronic payments or withdrawals you have authorized.

      Transaction information on your UMB Bank Accounts is available through Mobile Banking for the past 90 days.

      All the UMB Bank Accounts accessed by the Service must be included within a single user registration, which means that the accounts must be associated with the same taxpayer ID (e.g. social security) number, and you must be an owner of each of the accounts. We reserve the right to deny online banking access to certain kinds of accounts such as trust or fiduciary accounts, and to limit the types of accounts that may be combined in an online banking profile.
    2. HSA Accounts. For Health Savings Accounts you have with us, the Service will show your base UMB HSA Deposit Account balance. Funds in your base HSA Deposit Account are held at UMB Bank and are FDIC-insured to the maximum extent provided by law. The Service will not show your HSA Money Market Fund Account balance, your HSA Self-Directed Brokerage Account balance, or your HSA Saver Account balance, if you have opened any of those HSA investment-type accounts. Those HSA investment accounts are not FDIC-insured.

      For Health Savings Accounts you have with us, the balance displayed within Mobile Banking is your “Total HSA Available Balance.” That amount is the sum of the balance in your base HSA Deposit Account plus any HSA Money Market Fund Account[2] balance as of the prior day’s end. Separate totals for your base HSA Deposit Account Balance and your HSA Money Market Fund Account Balance are not available in Mobile Banking, but they are available in our Online Banking Service. The “Total HSA Available Balance” does not include your HSA Self-Directed Brokerage Account balance. Information about your HSA Self-Directed Brokerage Account is not currently available within Mobile Banking.

      The “Balance” displayed in the Service for your HSA Money Market Fund Account is the prior business day’s ending balance based on the values of your money market fund account assets as of that day, as reported by the Fund. The “Total HSA Available Balance” shown in the Service is the sum of the base UMB HSA Deposit Account balance plus the prior day’s ending HSA Money Market Fund Account balance. That figure does not include your HSA Self-Directed Brokerage Account balance or your HSA Saver Account balance, each of which is listed separately. The HSA Self-Directed Brokerage Account balance or HSA Saver Account balance is the prior business day’s ending balance based on the value of assets in your investment account as of that day, as reported to us by the clearing broker or other record keeper.
  4. More Details on Funds Transfers between your UMB Bank Accounts through Mobile Banking.

    You may use Mobile Banking to transfer funds among your deposit Accounts that are maintained at UMB Bank.

    If you want a transfer that you enter through the Service to be completed on the same banking day as the day you enter the information in Mobile Banking, the transfer must be completed in the Mobile Banking Service by 9 p.m. CT. The combined total dollar amount of all transfers made on a single business day through either this Service or our Online Banking Service may not exceed $100,000.00. Transfers from your base HSA Deposit Account to your HSA Money Market Fund Account, or from your HSA Money Market Fund Account back to your base HSA Deposit Account, occur using systems other than Mobile Banking, and are not governed by this Agreement.

    Transfers made through Mobile Banking may be single transfers to your other UMB Bank Accounts, and may be made same day or future dated (“Future Transfers”).

    You may not schedule recurring transfers using Mobile Banking (but you can schedule those transfers through Online Banking).

    You cannot use Mobile Banking to initiate transfers or withdrawals from CDs, IRAs or overdraft lines of credit.

    The U.S. Tax Code limits the total dollar amount of deposits that may be made to your HSA with respect to any tax year in order to maintain favorable tax treatment. Transfers to your HSA through Mobile Banking are “contributions” within the meaning of the Tax Code. We may refuse to accept contributions to the HSA or reverse the transfer if we believe that it would cause you to exceed the maximum annual contribution amount for persons having family coverage plus the catch-up contribution as established by the IRS. We are not required to monitor deposits or transfers to your HSA for purposes of determining whether you have exceeded the allowable deposit limits applicable to you each year.

    Withdrawals (transfers or bill payments) from your HSA that are not used to pay for qualified medical expenses may be included in your gross income for tax purposes and may be subject to an additional tax penalty. We have no duty to review your withdrawals to determine if they are used for proper purposes.

    See your Health Savings Account Custodial Agreement for details.
  5. More Details on Bill Payment through Mobile Banking.

    If you are enrolled in our Bill Payment Service within the Online Banking Service and you have established Payees within Online Banking, you may use our Mobile Banking Service to make payments to those Payees from an eligible bill payment account as outlined in the UMB Online Banking Agreement.

    Mobile Banking only allows you to make single payments, and not recurring payments. However, you may schedule a future dated one-time payment through Mobile Banking. Individual payments may be made in any amount not less than $1.00 and not exceeding $100,000.00. The combined total dollar amount of all bill payments made on a single business day through either this Service or our Online Banking Service may not exceed $100,000.00. Payments may not be in an amount that exceeds the Balance in your Account plus the amount of your available credit for the overdraft line of credit attached to the Account at the time the payment is initiated; in the case of payments from your base HSA Deposit Account, payments may not exceed your Total HSA Available Balance (as defined in Section 3(b) above). You may not schedule duplicate payments. A duplicate payment is one that is scheduled to be made to the same Payee on the same day for the same amount.

    You may not establish new payees within Mobile Banking. To establish new payees, you must use our Online Banking Service.
  6. Your Other Agreements.

    It is your responsibility to comply with the terms and conditions for all other Services offered by UMB Bank that apply when using our Mobile Banking Service. For example, your Bank Accounts continue to be subject to our Deposit Account Agreement. If you use our Remote Deposit Service, the Remote Deposit Terms and Conditions also apply.

    Additionally, you remain subject to the terms and conditions set forth by your mobile carrier (i.e. AT&T, Verizon, Sprint, T-Mobile etc.) or any other unaffiliated party. This Agreement does not change your obligation to comply with those separate terms and conditions. You are solely responsible for any fees imposed by your mobile communications carrier. Those charges may include data usages fees, text messaging (SMS) fees, etc. You must directly resolve any issues that arise regarding your mobile service with your mobile carrier; we do not provide that kind of support.

    You should address any problems with your Mobile Banking Service directly with us. Please contact one of our support agents at 800.699.8702.
  7. Software and Licenses.

    You are entitled to a personal, limited, non-transferable, non-exclusive, non-sublicensable and non-assignable license to use the systems that we make available to you strictly in accordance with this Agreement for the purpose of conducting consumer or Small Business mobile banking transactions as described in this Agreement. You may use this license within the United States and its territories through any of our available mobile banking service channels, such as Text Messaging, Mobile Web or Mobile App. If your mobile device supports one of our delivered Mobile Apps, you will be required to download our Mobile App from the App Store each time that you replace your mobile device. We do not charge for downloading our Mobile App. If you change your mobile number and your old number is enrolled for Text Message / SMS Mobile Banking or Text Message / SMS alerts, you are required to update your mobile number using Manage Mobile within Online Banking or by calling us at 800.699.8702.
  8. Your Obligations.
    1. Account Ownership – You represent that you are the legal owner of the Accounts and other financial information that is made available to you through our Mobile Banking Service.
    2. Account Information – You represent that any and all information provided by you regarding our Mobile Banking Service, whether at your initial enrollment, when updating your mobile profile using Manage Mobile, or by contacting a UMB associate to update your mobile banking profile, is accurate, complete and current. You agree not to misrepresent your identity or any other information that you provide related to our Mobile Banking Service. 
    3. Usage – Our Mobile Banking Service will not work unless used properly. You are responsible for learning how to use our Mobile Banking Service as explained in the FAQs that are located on our Website at https://www.umb.com/Personal/MobileBanking. Additionally, you are responsible for making sure that you know how to use your mobile device and our Mobile Banking software. 
    4. Location Data – You understand that when you use any location-based feature of our Mobile Banking Service, your geographic location and other device specific information is accessible by our Mobile Banking Service. If you do not wish for our Mobile Banking Service to access that information, you must not use such geography-based features. The Service will allow you to specify a location and search for ATMs and Banking Centers that are in the closest proximity to the location entered, without the Service accessing the location of your mobile device.
    5. User Behavior – You agree that you will not use our Mobile Banking Service in any way that will (a) infringe any third-party copyright, patent, trademark, trade secret or any other proprietary rights, including any rights in the Mobile App Software downloaded from your device’s App Store, should you decide to use the Mobile App mobile delivery channel, (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of mobile banking to impersonate another person or entity (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) falsely represent yourself, be deceptive or inaccurate (e) create liability for us or our affiliates or service providers, or cause us to lose any part of the Service or services provided by our service provider; (f) be offensive, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to our Mobile Banking Service (i) interfere with or disrupt Mobile Banking Services of another user; or (j) use our Mobile Banking Service to gain unauthorized access to other computer systems.
    6. User Security – You agree not to make your User ID and Password that you use to access your account available to unauthorized individuals. You are solely responsible for financial transactions authorized through your mobile device, including but not limited to, bill payments and transfers. If you permit other individuals to use your User ID and Password to access the Service, you are liable for any transactions that they authorize against your Accounts. You agree to exercise caution when using the Service on your mobile device and to use good judgment when obtaining or transmitting information. We recommend that you lock your mobile device if the lock feature is available. We recommend that you delete Text Messages / SMS received through our Mobile Banking Service once you have read them. You agree to notify us immediately if your enrolled mobile device is lost or stolen or if you change your telephone number, and you are enrolled in Text Message / SMS Mobile Banking or Mobile Alerts Services. You may also enroll your new telephone number and delete your old telephone number using Manage Mobile within our Online Banking Service. If you believe that your use of the Service has been compromised in any way, you must contact us immediately at 800.699.8702.
    7. Proprietary Rights – You are entitled to use content delivered to your mobile device by us for Mobile Banking Services only. You may not copy, reproduce, create or distribute plagiaristic works from our content. You agree that you will make no attempt to reverse engineer our Mobile Banking Service technology, Software or App residing on a mobile device.
    8. Indemnification – You agree to indemnify, defend, and hold us, our affiliates and service providers harmless from any and all third-party claims, expenses, costs, liability and damages (including, but not limited to, reasonable attorney fees) arising from your use, or the use by any other person whom you have authorized to access your account information through our Mobile Banking Service, of our Mobile Banking Service (including, but not limited to, the Software and App), your violation of this Agreement or your infringement of any of our intellectual property. We will not be liable to you for special, indirect or consequential damages.
  9. Charges for this Service.

    You agree to pay for our Mobile Banking Service in accordance with our current fee structure, which we may amend from time to time. We do not charge consumer customers for access to our Mobile Banking Service. Small Business customers may be charged for bill payment transactions made through Mobile Banking in accordance with our UMB Online Banking Agreement for Small Business and the applicable fee schedule. If you are charged a fee for your Mobile Banking transactions, you authorize us to charge your Account for all such fees incurred in connection with this Service.

    Although customers do not incur fees for use of the Mobile Banking Service, you may incur fees based on maintaining your Accounts (such as monthly maintenance fees, activity fees, and overdraft/insufficient funds fees), and you may incur interest or other charges under your overdraft line of credit agreement or margin agreement (if applicable).

    We may add to or enhance the features of Mobile Banking at any time. In the event that you use an added or enhanced service, you agree to pay any charges with such service as indicated on our Schedule of Service Fees and Charges document. We will give you notice of the applicable fees at the time we make the enhanced services available.
  10. Additional Provisions.
    1. Service Availability – The availability, response time and proper functioning of our Mobile Banking Service depends on many factors including, but not limited to, your geographic location relative to the your mobile carrier’s geographic coverage, wireless network availability, signal strength and the hardware and software of the mobile device itself. Neither we nor our service providers warrant that the Service will operate without interruption, be free from error or will meet your expectations. You agree that neither we nor our service providers will be held liable for any loss or damage caused by our Mobile Banking Service not being available, or its failure to function properly, or for any actions taken in reliance thereon including, but not limited to, service interruptions, inaccuracies, delays, loss of data or loss of personalized settings.
    2. Service Limitations – We will not be held responsible for the operation, security, functionality or availability of any wireless device or mobile network you utilize when accessing our Mobile Banking Service.
    3. No Service Warranty – You agree that our Mobile Banking Service is offered “AS IS” without warranty of any kind, express or implied.
    4. Mobile vs. Online Banking Synchronization – We are not responsible for any data differences that appear between our Online Banking and Mobile Banking Services. 
  11. Our Liability for Failure to Complete Transactions.

    Subject to the other provisions of this Agreement regarding the availability of the Service and its performance, we will endeavor to process and complete all electronic funds transfers (including transfers among Accounts or payments from an Account) properly initiated through the Service in accordance with the terms of this Agreement. If you are a consumer customer and we do not complete a payment or transfer to or from a consumer Account on time or in the correct amount under the terms of this Agreement, our liability is limited to your direct damages proved. If you are a Small Business customer and we do not complete a payment or transfer to or from your Account on time or in the correct amount under the terms of this Agreement, our liability is limited to your direct damages proved, but our liability for any such failure will in no event exceed the amount of fees and charges imposed for the Service during the twelve (12) month period immediately prior to the month in which such failure occurred, but if you do not pay monthly fees for the Service, our liability will in no event exceed twelve (12) times the monthly fee that would otherwise apply had you been required to pay the regular monthly fee for the Service.

    Whether or not the Account was established primarily for business purposes, we will not be liable if:
    1. Through no fault of ours, you do not have enough money in your Account to make the payment or transfer.
    2. The payment or transfer would go over the limit on your overdraft line of credit or would exceed the balance in your Account, as applicable.
    3. The Service or your mobile device is not working properly.
    4. A Payee mishandles or delays handling payments sent by us.
    5. You have not provided us with the correct Payee Information, such as the Payee’s name, address, Payee Account or payment amount.
    6. Circumstances beyond our control (such as fire, flood, or delay in the U.S. mail) prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances.
    7. If you do not have the right under your Account agreement to withdraw the funds, or as otherwise set forth in the agreement governing your Account.
    8. As otherwise set forth in this Agreement.
  12. Consumer or Small Business Purpose.

    If you are a consumer customer, you represent and warrant to us that you will use your Bank Accounts, the Asset Management Account (if applicable) and the Service primarily for personal, family, or household purposes and not primarily for business or commercial purposes.

    If you are a Small Business Customer, you represent and warrant to us that you will use your Accounts and the Service primarily for business or commercial, and not primarily for personal, family, or household purposes. You agree that our providing access to your Accounts, secured by a User ID and Password we issue to you, and which you will protect and which you will share only with your authorized representative(s), are reasonable security procedures for the protection of your Accounts, and are reasonable means to ensure the authenticity of payments and transfers made through the Service.

    Accordingly, Small Business customers acknowledge that that the protections provided to consumers under the federal Electronic Fund Transfer Act and Regulation E or under similar state law or regulation shall not apply to their Accounts or your use of this Service. We will not be deemed to have extended those protections to you by contract, and no course of conduct on our part shall be deemed to have extended those protections to you.

    Notwithstanding the foregoing, if you are a sole proprietor and certain personal Accounts are accessed by the Service, the protections provided under the federal Electronic Fund Transfer Act and Regulation E or under similar state laws or regulations shall apply to those personal accounts to the extent provided by law.
  13. Statements. All of your payments and funds transfers made through the Service will appear on your account statement(s). The Payee name, payment amount and Process Date will be reflected for each payment made through the Service. If you have a savings account, you will get a statement of your savings account at least once every three (3) months. You will receive quarterly statements on your base HSA Deposit Account. You must access your statements through Online Banking, unless your paper statements are mailed to you.
  14. Business Days/Hours of Operation. Our business days are Monday through Friday, except bank holidays. Although bill payments can be initiated only on business days, the Service is generally available 24 hours a day, 7 days a week.

    However, the Service is not available during scheduled maintenance periods and during unscheduled system outages.
  15. Notice of Your Rights and Liabilities.
    1. All Accounts. Tell us AT ONCE if you believe that one or more of your security codes (such as your User ID or Password) have been lost or stolen. Otherwise, you could lose all the money in your Accounts accessed by the Service. Telephoning is the best and fastest way of keeping your possible losses down.

      If you believe your security code has been lost or stolen or that someone has transferred or may transfer money from your Account using the Service without your permission, call 800.699.8702, or fax to: 800.317.3109, or write to:

      UMB Mobile Banking Support
      Dept. 118 Mail Stop 1110402
      PO Box 419226
      Kansas City, MO 64141-6226.

      However, if the Account you have a concern about is a Health Savings Account you have with us, the best way to contact us is to call us toll-free at 866.520.4HSA (4472),. When you are writing us about your HSA, the best address to use is:

      UMB Bank, n.a.
      Healthcare Services
      P.O. Box 419226
      Kansas City, MO 64141.
    2. Consumer accounts. If you tell us within two (2) business days after you discover that your security code has been lost or stolen, you can lose no more than $50.00 if someone used your security code without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your security code, and we can prove we could have stopped someone from using your security code without your permission if you had told us, you could lose as much as $500.00, or $50, if you are a Colorado resident. If you are a Colorado resident and the unauthorized use occurs through no fault of your own, no liability shall be imposed. Also, if your statement shows payments or transfers that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you have consented to receive your account statements from us electronically instead of in paper form, you agree that the electronic notice we send to the email address you provide which advises you of the availability of the statement will constitute your receipt of the statement itself, and we will not be required to provide you with regular paper statements through the U.S. Postal Service. You must promptly sign into Online Banking and review your statement information when you receive the notice. You agree to review your electronic statement information at least every thirty (30) days.

      If a good reason (such as a long trip or hospital stay) prevented you from telling us, we will extend the time periods.
    3. Small Business Accounts. Business or commercial customers are responsible for any payments or transfers made through the Service using the Company’s security codes, even if such payments or transfers were not made by one of your authorized representatives or the transfers are otherwise unauthorized. You can terminate your responsibility for future losses by providing notice to us of the loss or theft of your security code or of the unauthorized payment or transfer, but your liability for such losses continues until we have had a reasonable opportunity to disable the security codes or terminate your access to the Service. We will not refund payments or transfers you claim were unauthorized that were made prior to our receipt of the notice.
  16. Errors and Questions.
    1. All Accounts. In case of errors or questions about your electronic transfers or payments, you should call UMB Online Banking Support at 800.699.8702, , or write to:

      UMB Online Banking Support Dept. 118
      Mail Stop 1110402
      PO Box 419226
      Kansas City, MO 64141-6226.

      However, in case of errors or questions about a Health Savings Account you have with us, the best way to contact us is to call us toll-free at 866.520.4HSA (4472), or from the Kansas City area, 818.860.5741. When you are writing us about your HSA, the best address to use is:

      UMB Bank, n.a.
      Healthcare Services
      P.O. Box 419226
      Kansas City, MO 64141.

      We must hear from you no later than sixty (60) days after you received the FIRST statement or notification on your PC or other electronic device in which the problem or error appeared.
      1. Tell us your name and Account Number.
      2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
      3. Tell us the dollar amount of the suspected error.

      If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
    2. Consumer accounts. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

      We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
  17. Disclosure of Account Information to Third Parties. We will disclose information to third parties about your Accounts or the transactions you make:
    1. Where it is necessary for completing a transaction or for administering your Account; or
    2. In order to verify the existence and condition of your Accounts to a third party, such as a credit bureau or merchant; or
    3. In order to comply with the order of a governmental agency or court or a subpoena; or
    4. If you give us your written permission; or
    5. Pursuant to a request from a company that provides services such as investments to your Account; or
    6. As provided in our Privacy Policy; or
    7. As otherwise provided by Missouri or federal law.
  18. Authorization to Obtain Information. You agree that we may obtain and review your credit report from an authorized credit bureau. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments.
  19. Termination. You may terminate your use of the Service at any time by calling UMB Online Banking Support at 800.699.8702, or write to: UMB Mobile Banking Support, Dept. 118 Mail Stop 1110402, PO Box 419226, Kansas City, MO 64141-6226. You may also opt-out of our Text Message / SMS Mobile Banking and Mobile Alerts Service by texting the word “stop” to our short code 50106.

    You must notify us at least ten (10) days prior to the date on which you wish to have your Service terminated. We may require that you put your request in writing. If you have scheduled payments with a Process Date within this ten-day period, you also must separately cancel those payments. If we have not completed processing your termination request and you have not otherwise canceled a payment, you will be responsible for payments with Process Dates during the ten (10) days following our receipt of your written notice of termination. Certain kinds of requests for services related to Health Savings Accounts, such as closing an HSA in the event of the death of the account owner and the transfer of funds in an HSA to a new custodian or trustee may only be made to our HSA Customer Service Department; see Section 16(a) above.

    We may terminate your use of the Service, in whole or in part, at any time without prior notice. Your access to the Service will be terminated automatically if your Bank Accounts are closed, or access to your Accounts is restricted for any reason. If you would like to transfer the Service to a different account with us, you must provide ten (10) business days advance written notice. Termination will not affect your liability or obligations under this Agreement for transactions we have processed on your behalf.
  20. Limitation of Liability. Except as otherwise provided in this Agreement or by law, neither UMB Bank nor UMB Financial Services, Inc. is responsible for any loss, injury or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, use or maintenance of your mobile device, PC, electronic device or its related software.
  21. Entire Agreement. This Agreement is the complete and exclusive agreement between you and us related to our Mobile Banking Service and supplements any other agreement or disclosure related to your Accounts. In the event of a conflict between this Agreement and any other agreement or disclosure related to the Service or any statement by our employees or agents, this Agreement shall control. However, our Remote Deposit Terms and Conditions are included in a separate agreement, and in the event of a conflict between this Agreement and our Remote Deposit Terms and Conditions, the Remote Deposit Terms and Conditions control with respect to the terms and conditions of our Remote Deposit Service.
  22. Waivers. No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise thereof or the exercise of any other right or remedy. No waiver shall be valid unless in writing signed by us.
  23. Assignment. You may not assign this Agreement to any other party. We may assign this Agreement or delegate any or all of our rights and responsibilities under this Agreement to any third parties.
  24. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State where the UMB Bank holding your Account is headquartered, without regard to that state's conflicts of laws provisions.
  25. Amendments. We may amend or change any of the terms and conditions of this Agreement at any time upon at least twenty-one (21) days written notice to you prior to the effective date of any change or amendment, or as otherwise required by law. If you do not agree to the change or amendment, you must notify us prior to the effective date of the change or amendment and cancel your access to the Service.

Apple is a registered trademark of Apple Inc.
Android is a trademark of Google Inc.

Rev. 01/2017


[1] Asset Management Accounts and HSA Self-Directed Brokerage Accounts are offered by UMB Financial Services, Inc., member FINRA, SIPC and not by UMB Bank. UMB Financial Services, Inc. is a wholly-owned subsidiary of UMB Financial Corporation.

Investments made available through your Asset Management Account, your UMB HSA Saver® Account, your HSA Self-Directed Brokerage Account or your HSA Money Market Fund Account:

  • are not deposits or obligations of, or guaranteed by, UMB Bank or any other financial institution;
  • are not insured by the FDIC or any other government agency; and
  • involve investment risks, including the possible loss of the principal invested.

 

[2] Funds in your base HSA Deposit Account are held at UMB Bank, n.a., a Member, FDIC. Funds in the base HSA Deposit Account are FDIC insured to the maximum extent provided by law. An investment in a money market mutual fund through your HSA Money Market Fund Account is NOT a deposit in UMB Bank, n.a. or its affiliates, is not insured by the Federal Deposit Insurance Corporation or any other government agency, and is subject to investment risks, including the possible loss of the principal invested. Although the Fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in a money market mutual fund. See your HSA Money Market Disclosure and Authorization for more information

 

You may also incur fees related to your HSA Money Market Fund Account or your Asset Management Account, as disclosed in separate agreements with you.

Miscellaneous

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