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Mobile Banking General FAQs

What is Mobile Banking? 
Mobile Banking allows you to perform everyday banking functions through the convenience of your mobile device. For example, you can access your account balances, review your most recent account activity, make transfers, pay bills, and even be alerted on your account activity even if you are not close to a computer.

Is there a fee for using Mobile Banking? 
No. UMB does not charge a fee for using its Mobile Banking Service. If your account limits the number of transactions you are allowed, for savings accounts, for example, and you exceed those limits, certain fees could apply for transfers you make through Mobile Banking. Small Business customers will also be responsible for any Bill Payment fees associated with their account, as defined in the disclosures for their respective account type.

You may also incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or Internet browsing on your mobile device. If you don’t have a text or data service plan currently, please contact your wireless carrier about signing up for one.

Is Mobile Banking secure? 
UMB is very concerned about the safety and privacy of your account information and is committed to security. To ensure the security of your account information, a number of security features have been built into our Mobile Banking Service.

  • Registration Process – A unique verification code is required to verify your mobile device’s phone number, and to verify that you are the person in control of your mobile device. This code associates your mobile device’s phone number with your account for SMS messages.
  • No Identifiable Information – Texts and Alerts from UMB never include any personally identifiable information, such as your full account number, Password, e-mail address, or mobile number. Your User ID and Password will never be included in any of the text messages or alerts you receive from UMB.
  • Secure Login – Mobile Banking via Mobile Web and Mobile SmartClient Application require a secure login for access. No one is able to access your account information without knowing your unique username and password.
  • Data Encryption – For your protection, only limited information (such as your account nicknames and cached balances) is stored locally on your mobile device. All of your account data resides at your bank – just as with Online Banking. All data placed into local storage on the mobile device is encrypted before it is stored – and it is only accessible with your Password. This ensures that if the mobile device is lost or stolen the data stored by the mobile application in local storage is unreadable.

Of course, as with any electronic banking service, customers also have a responsibility to make sure they are using the Service in the way it was intended, to protect their access codes. You must tell us promptly if your mobile devise is missing or if you change your mobile telephone number. When using Text/SMS Message Mobile Banking, we recommend that you lock your mobile device. Any device that remains unlocked and is enrolled to receive text alerts will have account nickname and balance information exposed to anyone who uses the mobile device. Additionally, we recommend that Text/SMS Messages sent to or received from UMB Mobile Banking (short code 50106) or received from UMB Mobile Alerts be deleted as they are received.

For more information on Mobile Banking security, please see the Mobile Banking Security FAQ.

What are the services offered as part of Mobile Banking? 
Mobile Banking consists of four separate - but complementary - services:

  • Mobile Banking via Text/SMS Message: Mobile Text/SMS Banking gives you the ability to send certain text message commands to our short code (50106) to obtain account balances, view account transaction history, perform account transfers, pay bills, or locate the nearest UMB ATM or Banking Center.
  • Mobile Banking via Mobile Web: Mobile Web is a web site that is accessed through your mobile device. It contains many of the features available in online banking, but is optimized for viewing on a small screen. Mobile Web Banking allows you to sign on to UMB’s mobile-device version of our Online Banking site (m.umb.com). This enables you to use many of the features available through Online Banking today, including viewing account balances, viewing transaction history, transferring funds, paying bills, and locating the nearest UMB Banking Center or ATM.
  • Mobile Banking via Mobile Application: A Mobile Application is downloaded to your mobile device from a mobile App Store. The App is a program that is installed on your mobile device that provides a unique experience designed specifically for the iPhone and iPod Touch. It allows you to sign on to a mobile-device version of UMB’s Online Banking to enable you to use many of the features available through Online Banking today, including viewing account balances, viewing transaction history, transferring funds, paying bills, and locating the nearest UMB Banking Center or ATM.

    UMB offers an Android Web launcher in the Google Play® store. It is not a resident mobile application.
  • Mobile Text Alerts: Mobile Text Alerts enable you to have text message account alerts delivered securely to your mobile device. Available with all Mobile Banking services, Mobile Text Alerts can be set to notify you when your account balance falls below a specified balance, when checks clear your account, when withdrawals are made, when deposits are made, and more. You may also elect to receive alerts within a Mobile Web message store or by a Mobile Application Push Alert.

View the FAQs on each of the available services for more information and then decide which is right for you.

Do I have to agree to the UMB Mobile Banking Services Agreement to participate in Mobile Banking? 
Yes, you must read and accept the legal UMB Mobile Banking Services Agreement to use Mobile Banking services. If you have any questions about the points of the UMB Mobile Banking Services Agreement, please call UMB’s Service Center at 888-782-4325 for assistance.

What do I need to be eligible to activate Mobile Banking? 
You will need a UMB personal or small business checking, savings, or credit card account to activate the service and a mobile device with the ability to send and receive text messages for Mobile Text/SMS Banking & Alerts, or a data service plan to use Mobile Web and SmartClient Application Banking.

How do I know if my mobile device supports Text Messages? 
The majority of all mobile devices in the U.S now support text messages, so the chances are good that your mobile device is capable of sending and receiving messages. To find out for certain, try looking under the messaging options menu on your mobile device, or contact your mobile service provider. Text message plans are available with most mobile service providers, so we encourage you to establish a text message plan that is right for you and your text usage.

Will UMB’s Mobile Text/SMS Banking & Alerts work on my mobile device or cellular phone? 
Yes, our service will work, provided your phone has the ability to send and receive text messages, and that you subscribe to a carrier that supports UMB’s Mobile Text/SMS Banking & Alerts. You may want to contact your mobile provider or service plan to make sure your mobile device or cell phone is capable of sending and receiving text messages and that your carrier is included on our list of supported carriers below.

Which mobile service providers support Mobile Text/SMS Banking? 
Mobile Text/SMS Banking works on all major mobile providers in the US. The list includes, but is not restricted to:

  • AllTel
  • Aliant
  • Centennial Cellular Corporation
  • Cincinnati Bell
  • AT&T/Cingular Wireless
  • Dobson Cellular Systems (AT&T Wireless)
  • CellSouth
  • MTS Mobility
  • Nextel/Boost USA
  • NTelos (Virginia PCS)
  • Rural Cellular Corporation
  • Suncom
  • Telebec
  • Sprint
  • T-Mobile (VoiceStream)
  • US Cellular Corp
  • Verizon Wireless
  • Virgin Mobile USA

Which mobile service providers DO NOT support UMB’s Mobile Text/SMS Banking? 
If your mobile provider is not included in the list above, then chances are good that your mobile provider does not support text messages from UMB. Please note: Smaller carriers may use the networks of the larger carriers that are certified. If you have questions regarding the network your carrier uses, please contact your mobile service provider.

Does Mobile Text/SMS Banking work on most pre-paid phone service plans? 
The Mobile Text/SMS Banking service will work with most pre-paid phone plans; however there are some phone plans that do not support short codes.

The following pre-paid mobile service plans currently do not support short codes:

  • T-Mobile
  • Most Verizon MVNOs (e.g., MIGO).
  • TRACFONE®

How do I choose the best Mobile Banking service for me? 

Use the comparison chart below to best determine which mobile banking option suits you, and your mobile device, the best:

 

Feature

Service

Text (SMS)

Mobile Web

SmartClient

View Accounts

Quickly check your checking, savings, HSA and credit card account balances.

x

x

x

View Transaction History

Review previous transactions on your checking, savings, HSA and credit card accounts.

x

x

x

Transfer Funds

Simply and securely transfer funds to and from your Checking, Savings, HSA and Credit Card accounts.

x

x

x

Pay Bills

Pay your bills on the go. Payees must first be established in Online Banking first.

x

x

x

Alerts

View and edit your account Alerts preferences.

Not provided.

x

x

Branch/ ATM Locator

Quickly locate a Branch or an ATM or branch near you.

x

x

x

Preferences

Review and edit your mobile preferences.

Not provided.

x

x

Security

Secured banking communications.

x

x

x

Privacy

User ID and Password ensures your privacy.

Not provided.

x

x

What types of accounts can I view / use with Mobile Banking? 
The following accounts are currently accessible with Mobile Banking:

  • Checking
  • Savings
  • HSA
  • Credit Card
  • Overdraft Line of Credit
  • Consumer Loans
  • Home Equity Lines of Credit
  • Asset Management

Information about account balances displayed through Mobile Banking. For health savings accounts and medical savings accounts (HSAs), the balance displayed is the “Total HSA Available Balance,” which includes funds in your base HSA Deposit Account (which is FDIC insured to the extent provided by law) and any HSA money market fund account balance as of the prior day’s end. An investment in a money market mutual fund through your HSA money market 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. To see the separate balances in your base HSA Deposit Account and your HSA money market account, log into UMB Online Banking, or see your account statement.

Balances displayed in Mobile Banking for overdraft lines of credit, consumer loan accounts or home equity lines of credit are based on the principal balance as of the end of the prior day. Balances displayed for all credit products are for information purposes only, and are not valid for payoff purposes.

The balance that you receive through the Service for your Asset Management Account is the sum of (a) any cash in your Asset Management Account; (b) the balance in the Core Transaction Fund; and (c) if you have a margin feature, a certain percentage of the market value of the securities in the Margin Account portion of your Asset Management Account. Your Asset Management Account is held by UMB Financial Services, Inc.

NOT FDIC INSURED / NO BANK GUARANTY/ MAY LOSE VALUE.

Transfers to and Withdrawals and Payments from your HSA. You are responsible for making sure that any transfer to your Heath Savings Account (HSA or MSA) from another account, including transfers made using Mobile Banking, complies with limits established in the US Tax Code on annual contributions. You must ensure that any withdrawals from your HSA (including transfers or bill payments made using Mobile Banking) are used for the payment of qualified medical expenses. See your Health Savings Account Custodial Agreement for more details.

What bills can I pay using Mobile Banking?
You can pay all of the same bills that you have set up within Online Bill Pay. You must go to UMB’s Mobile Banking Center to select the “payees” to which you’d like mobile access. Once selected, you may pay bills using your mobile device. You can make one-time payments through Mobile Banking, including future-dated bill payments. You cannot enter “recurring” bill payments through Mobile Banking.