Mobile Text Banking FAQs
What is Mobile Text/SMS Banking?
Mobile Text/SMS Banking enables you to retrieve information and manage your bank accounts from a mobile device through text messaging (sometimes called SMS). If you already bank online, this is another great way for you to access your account balances, review your most recent account activity, make transfers, or pay bills through the convenience of your mobile device.
What does SMS stand for?
SMS stands for Short Messaging Service. It is also known as text messaging. This is a service available on most mobile devices allowing users to send and receive text-only messages.
What are the limitations to text messages?
In the U.S, text messages are limited to 160 characters, must consist of only numbers, letters, and special characters, and cannot contain images, rich text (such as bold, underlined text), or other content or formats.
What is a short code?
Short codes are special telephone numbers, usually five or six digits long, which are used to send and receive text messages from mobile phones within the U.S. You can think of a short code as a Web address for your cell phone, using five digits instead of a URL such as www.umb.com. They are often used for services such as television voting, ordering ring tones, charity donations, and mobile services.
50106 is UMB’s short code for communicating with you via a text message. This is easily remembered if you think of 5+1=6 and fill in a “0” for each symbol.
I have a prepaid plan. Can I use Mobile Text/SMS Banking?
Mobile Text/SMS Banking will work with most prepaid plans, but we cannot guarantee that your carrier supports the five-digit U.S. short code for UMB (50106). T-Mobile prepaid does not support short codes, so you will not be able to use Mobile Text Banking and Alerts with T-Mobile prepaid.
Who do I contact if I need help with Mobile Text/SMS Banking?
Text the word “HELP” to UMB’s short code (50106). We will send you a help message. Or, visit www.umb.com/mobile to get an in-depth look at how to use the service.
I have disconnected my mobile device or changed carriers. Will my Mobile Text/SMS Banking service continue to work?
Carriers do not always immediately report disconnected numbers, so your mobile device may continue to work for a short time after disconnection. As a security precaution, you should sign on to UMB’s Online Banking, access our Manage Mobile page, disable your disconnected mobile device, and activate your new mobile device. You may also contact us at 888-782-4325. Our hours of operation are Monday through Friday, 8 a.m. to 10 p.m. or on Saturday from 8 a.m. to 5 p.m.
Activating Your Mobile Device
You may enroll for alerts during the initial Mobile Banking Enrollment process or by accessing Manage Mobile within Online Banking. You may also contact us at 888-782-4325 and we can assist you with setting up or changing your alert preferences. Our hours of operation are Monday through Friday, 8 a.m. to 10 p.m. or on Saturday from 8 a.m. to 5 p.m.
- During your initial Mobile Banking Enrollment, you will need to read the UMB Mobile Banking Services Agreement, accept the agreement by clicking the checkbox, and then select Continue.
- You will be prompted to enable the accounts for which you would like to receive Mobile Text Alerts, assign a nickname for each account, and then select Save.
Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (for example, CH1, CH2, CC, SAV)
- You can change your default account by using the links in the right column and then selecting Save at the bottom of the page. (You can edit your account nicknames and alerts at any time by selecting the Accounts tab from the Manage Mobile page within Online Banking.)
- Select the Phones tab from the Manage Mobile page within Online Banking.
- Click the Add Phone Number button and enter your mobile phone number and select Register.
- You will receive a text message on your mobile device containing a Verification Code (arrival time may take up to one minute). Enter this code in the Enter PIN input box on the Web site enrollment page and select Verify.
- After entering the verification code, you will be automatically be redirected to the Phones page and you will see your mobile device number in the Phone Number List.
How soon do I have to enter the verification code?
You have up to 15 minutes to enter the verification code in Manage Mobile. After that time, your code will expire and you will need to request a new verification code.
To request a new verification code, you will need to re-register your mobile device. Select the Phones tab in Manage Mobile, select Remove for your mobile device, and go through the verification process again.
I have not received the verification code. What should I do?
If you have not received your verification code, make sure your mobile device’s phone number was entered correctly during your initial enrollment or when you added a new mobile number in Manage Mobile through Online Banking. If the number was entered or added correctly, please follow the steps below:
- Verify your mobile phone is turned on, has an adequate signal, and is able to receive text messages.
- Check the list of Supported Carriers for your mobile device.
- If you didn’t receive a verification code via text message on your mobile device while registering your mobile device, use the Try Again link under the PIN code input box to re-send the text verification code.
- Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from short codes. UMB’S short code is 50106.
- Confirm that you have text messaging service with your mobile carrier.
- If you still have not received a verification code, you will need to re-register your mobile device. Select the Phones tab in Manage Mobile which is accessible within Online Banking, select Remove for your mobile device, and go through the verification process again.
- If you still do not receive the verification code, please contact us at 888-782-4325 for assistance. Our hours of operation are Monday through Friday, 8 a.m. to 10 p.m. or on Saturday from 8 a.m. to 5 p.m.
What are Account Nicknames?
You are required to create your own unique account nicknames when activating your accounts to help protect your account information. Each mobile account nickname must be unique, contain one to eight characters, and can include letters or numbers, but not spaces or special characters.
Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service (for example, CH1, CH2, CC, SAV).
Your mobile account nicknames will not replace the account names or nicknames defined in Online Banking.
How do I add another mobile device?
There is no limit to the number of mobile devices you can have verified on your Mobile Banking account. To add another mobile device, follow the instructions below:
- Select the Phones tab on our Manage Mobile page which is accessible through Online Banking.
- Click the Add Phone Number button, enter your mobile device number, and select Register.
- You will receive a text message on your mobile device containing a Verification Code (arrival time may take up to 1 minute). Enter this code in the Enter PIN input box on the Web site enrollment page and select Verify.
- After entering the verification code, you will be automatically redirected to the Phones page and you will see your new mobile device number in the Phone Number List.
Sending Text Messages to UMB
How long does it take to get a response message via Mobile Text/SMS Banking?
You will usually receive a text message response within a minute. Exact timing will depend on your mobile service provider. If you have not received a message within 5 minutes, please retry your text command.
Does UMB offer shortcuts so I can access my information more quickly?
Absolutely! We’ve built some helpful shortcuts into UMB’s Mobile Text/SMS Banking service so you can easily access your account information quickly, securely and when you need it most.
Here is a list of shortcuts for UMB’s Mobile Text/SMS Banking:
B or BAL [nickname]
Receive balance of the nicknamed account, or all accounts if no nickname is included.
A or ACT or H or HIST [nickname]
Returns a list of your most recent transactions posted for nicknamed account or for the primary account if no nickname is included.
T or TRA [from acct nickname 1] [to acct nickname 2] [amount]
Transfers funds between two accounts.
R or RTRA [nickname]
View a list of most recent transfers for the nicknamed account or for the primary account if no nickname is included.
ST or STRA [nickname]
View a list of scheduled transfers for the nicknamed account or for the primary account if no nickname is included.
C or CTRA [Ref. ID]
Cancel a scheduled, future transfer.
P or PAY [from-nickname] [payee-nickname] [amount] [date]
Transfers funds from an account to a payee.
RPAY or RPAYS [nickname]
View a list of recently completed payments from the nicknamed account or from the primary account if the nickname is not included.
SP or SPAY [nickname]
View a list of scheduled payments from the nicknamed account or from the primary account if the nickname is not included.
CP or CPAY [Ref. ID]
Cancel a scheduled, future payment.
View a list of payees.
Returns a list of UMB’s ATMs near the given ZIP Code.
BRA OR BRAN or BRANCH [ZIP]
Returns a list of UMB’s branches near the given ZIP Code.
L or LAN [language]
Change the display language.
G or GO
Launch UMB’s Mobile Web application.
Change the time zone profile.
M or MENU
Returns a list of commands.
Returns a list of text commands and the call center contact number.
Deactivates mobile banking from phone.
Command: Send “BAL” to (50106)
Example 2: To transfer funds from one checking account to another.
Command: Send “CK1 CK2 100” to (50106)
- Avoid using a signature: Many phones have the capability of attaching a signature to your outgoing text messages, similar to a signature you may have attached to your outgoing e-mail. In order to receive reliable results, you must remove the signature from messages you send us.
- Avoid replying to a previous UMB text message: Unless the message you received specifically instructs you to “Reply with a response,” always send a new message to UMB. Replying to any previous text messages may include additional text that isn’t visible to you when you write the text message but will make it unreadable to UMB. To get the best results, always send new messages to UMB (50106), unless specifically prompted to do otherwise.
Receiving Text Messages from UMB
What does it mean when I see “1/2” on my screen?
“1/2” means you are reading the first message in a series of two messages. We label this as “1/2” to ensure you will read your text messages in the correct order.
Why are the text messages from UMB out of order when I go to read them?
UMB sends messages back to you in the order that they are intended to be read, and we will always clearly indicate which messages they are (“1/2” or “3/3,” for example). Unfortunately, depending on your mobile carrier, messages sometimes get mixed up on the way to your phone.
My results were sent as multiple messages. Some messages arrived first. Why did it take so much longer for the others to arrive?
Depending on your mobile provider, it may take a while for messages to get delivered. If you receive one message, it means we’ve sent all the messages to you and you should receive them shortly. It may take a few minutes for you to receive them all. If after a few minutes you still haven’t received all your messages, please let us know. If the problem persists, you may want to contact your mobile carrier.
Why are my results sent as multiple messages?
Each response you receive from UMB may vary in size because all text messages are limited to 160 characters. Sometimes we can’t send all of your account information in one message because it exceeds the 160-character limit. In this case, we will send your account information over multiple messages — no more than five at a time.
Can I see all of the results in a single message?
You can narrow down your results by creating nicknames for each account on file. Please use these nicknames to cut down on the length of each resulting message.
I set up Mobile Banking and I have text messaging enabled on my mobile phone. Why can’t I receive text messages from UMB on my mobile phone?
You may already have text messages enabled on your mobile phone, but the use of short codes may be blocked by your mobile phone service provider, or per your request. You must have short codes enabled to use UMB’s Mobile Text/SMS Banking. Please contact your mobile phone service provider to ensure they aren’t blocking the use of short codes and that your carrier supports the use of short codes.
Note: Your mobile phone service provider may need to correct any issues before you can use UMB’s Text Message Banking and Alerts. Please confirm your service options with your mobile phone service provider before you contact UMB’s Service Center at 888-782-4325.