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Mobile Text Alert FAQs

What are Mobile Text Alerts? 
Mobile Text Alerts are notices that you set up to automatically alert you when select activity occurs on your accounts. Mobile Text Alerts are sent directly to your mobile device and are an easy, effective way to keep track of your account activity and to monitor your accounts for possible unauthorized or fraudulent transactions.

Mobile Text Alerts can be activated when you use UMB Mobile Banking via Text/SMS, Mobile Web, or SmartClient Application.

What is the difference between Mobile Text Alerts and Mobile Text Banking? 

  • Mobile Text Alerts are automatic notices sent by UMB directly to your mobile device, which contain important information about your registered account(s). You define which alerts you want to see and when you want to be notified.
  • Mobile Text Banking allows you to request information such as your account balance and recent transactions on selected accounts at any time from your mobile device. The information you requested will be returned to your mobile device.

How do Mobile Text Alerts and Mobile Text Banking work together? 
A Mobile Text Alert can notify you of current activity in your account and you can then react to that alert using a Mobile Banking text command, such as to request account additional information or transfer money between accounts.

For example, if you receive a Low Balance Alert via a Text/SMS message to your mobile device, you can send a BAL ALL text message to UMB [50106] for a listing of your account balances, and then send a TRA text message to transfer money from one of your eligible accounts to the account with the low balance.

For more information on how Mobile Text Banking works, please see the Mobile Text Banking FAQs.

What Alerts are available for my accounts? 
Depending on which accounts you activate for Mobile Text Banking, the following alerts are available to notify you:

 

Customer Alert 

Action 

Username Change

If my Username is changed

Password Changed

If my Password is changed

Account Locked

If my account status changes and I’m prevented from signing-in

Account Unlocked

If my account status changes and access to UMB is restored

 

Account Alert 

Action 

Checking 

Savings 

Credit Card 

Low Balance

When balance amount in account has reached your preset low threshold

x

x

x

Statement Available

When the statement is available for account

x

x

x

Withdrawal Threshold Exceeded

When amount debited from account has reached your preset threshold

x

x

x

Deposit Confirmation

When the amount is deposited to account

x

x

x

Overdraft Posted

When overdraft is posted to account

x

x

x

Check Cleared

When a check is paid from an account

x

   

Withdrawal Confirmation

When amount is withdrawn from account

x

x

x

         

Overdraft Protection

In the event of overdraft

x

x

 

 

What is the difference between a Customer Alert and an Account Alert? 
 

  • Customer Alerts keep you informed of any activity on your Customer profile, such as changes to your username and password.
  • Account Alerts keep you informed of activity within your individual accounts, such as deposits or withdrawals.

 

Activating Your Mobile Device

How do I activate my mobile device? 
To enroll in Mobile Text Alerts, follow the instructions below:

  1. Log in to the Preference Center via Online Banking.
  2. Read the Mobile Banking Terms and Conditions, accept them by clicking on the checkbox and then select Continue.
  3. You will be prompted to Enable the accounts you would like to receive Mobile Text Alerts for, 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 (e.g., CH1, CH2, CC, SAV, etc.).
  4. 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 accounts and nicknames at any time by selecting the Accounts tab from the Preference Center Overview page.)
  5. Select the Phones tab from the Preference Center Overview page.
  6. Click the Add Phone Number button and enter your mobile phone number and select Register.
  7. 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 website enrollment page and select Verify.
  8. 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 the Preference Center. 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 the Preference Center, 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, please make sure your mobile device’s phone number is entered correctly in the Preference Center. If it is, please follow the steps below:

  1. Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
  2. Check the list of Supported Carriers for your mobile device.
  3. 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.
  4. Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from shortcodes (e.g., UMB's shortcode is [50106], which is the number you will be sending texts to).
  5. Confirm that you have text messaging service with your mobile carrier.
  6. If you still have not received a verification code, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the verification process again.

If you still do not receive the verification code, please call UMB's Service Center at 888-782-4325 for assistance.

What are Account Nicknames? 
Mobile Banking requires you to use unique account nicknames when activating your accounts to protect your private 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 (e.g., CH1, CH2, CC, SAV, etc.).

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 that you can have verified on your Mobile Banking account. To add another mobile device, follow the instructions below:

  1. Select the Phones tab from the Preference Center Overview page.
  2. Click the Add Phone Number button, enter your mobile device number and select Register.
  3. 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 website enrollment page and select Verify.
  4. 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.

Managing Your Mobile Text Alerts

How do I set up Customer Alerts? 
You are automatically set up to receive Mobile Text Alerts once you have enrolled in Mobile Banking. Once you have activated your accounts and assigned nicknames to each account, you can set up your Customer Mobile Text Alerts.

You can set up Customer Mobile Text Alerts to notify you when:

  • Your username or password has been changed.
  • Your Customer account has been locked due to a status change.
  • Your Customer account has been unlocked and access has been restored.

To set up Customer Mobile Text Alerts: 

  1. Select the Alerts tab from the Preference Center Overview page.
  2. The Alert Configuration page displays all alerts available for each account you have activated. Use the tables to edit the alerts you want for each account.
  3. The default view of the Alert Configuration page is for Customer alerts.
  4. Click on the Alert Title to see a description of the alert, or select Edit to configure the alerts you would like receive for your Customer profile.
  5. Check the preferred method of notification and confirm your changes by clicking Save.

How do I set up Mobile Text Alerts for Specific Accounts? 
Once you have activated your mobile device and assigned nicknames to each account, you can set up Mobile Text Alerts for Specific Accounts.

You can set up Mobile Text Alerts for Specific Accounts to notify you when:

  • The balance amount in the account is less than your preset amount.
  • A statement is available for the account.
  • Any amount debited from the account is greater than your preset amount.
  • There is a deposit on the account.
  • An overdraft is posted to the account.
  • A check is cleared for the account.
  • A withdrawal is made from the account.
  • There is an overdraft on the account.

See the table under “What Alerts are available for my accounts?” for more details.

 

Sample Alert: Low Balance Threshold

Sample Alert: Account Overdraft

 

To set up Mobile Text Alerts for Specific Accounts: 

  1. Select the Alerts tab from the Preference Center Overview page.
  2. The Alert Configuration page displays all alerts available for each account you have activated; use the tables to edit the alerts you want for each account.
  3. The default view of the Alert Configuration page is for Customer alerts.
  4. Use the pull down menu at the top to select the account you would like to configure your alerts for.
  5. Click on the Alert Title to see a description of the alert. Select Edit to configure the alerts you would like receive for each account.
  6. Check the preferred method of notification and confirm your changes by clicking Save.

When are my alerts delivered? 
Real–time alerts are sent to you as soon as the alert is triggered. For example, if you withdraw cash at an ATM and you exceed the limit you have set in the Withdrawal Threshold Exceeded alert, an alert will be sent immediately. Other alerts are sent in nightly batches. No alerts are sent during your designated Do Not Disturb time (see question below).

Can I specify when my alerts are delivered? 
The Do Not Disturb (DND) feature allows you to set times during which UMB's Mobile Text Alerts system will not send any text message alerts to your mobile device. You can specify this period of time for each mobile device defined in the Preference Center.

Your alerts will be saved and sent once your DND time has ended.

To set up a Do Not Disturb (DND) time for Mobile Text Alerts: 

  1. Select the DND tab from the Preference Center Overview page.
  2. Use the pull down menu to select your time zone.
  3. Click the New Quiet Time link to configure your new DND period.
  4. Use the time menu to configure the duration of your preferred Quiet Time.
  5. Select which method of contact you want to apply the Quiet Time to and select Save to confirm changes.
  6. You can add multiple Quiet Time settings to each mobile device verified on your accounts.
  7. You can edit your Quiet Time settings by selecting the Edit link on each configuration.
  8. Your Mobile Text Alerts will automatically resume once your specified Quiet Time has lapsed.

Can I temporarily stop my alerts if I’m going on vacation? 
The Do Not Disturb (DND) feature allows you to set times during which UMB's Mobile Text Alerts system will not send any text message alerts to your mobile device. Your alerts will be temporarily suspended during the specified time, and resumed once your DND time has ended. You can specify this period of time for each mobile device defined in the Preference Center.

Your alerts will not be saved and sent to you after your DND time has ended.

To set up a Do Not Disturb (DND) time for Mobile Text Alerts: 

  1. Select the DND tab from the Preference Center Overview page.
  2. Use the pull down menu to select your time zone.
  3. Click the New Suspend link to configure your new DND period.
  4. Use the date menu to configure the duration of your preferred Suspend Time.
  5. Select which method of contact you want to apply the Suspend Time to and select Save to confirm changes.
  6. You can add multiple Suspend Time settings to each mobile device verified on your accounts.
  7. You can edit your Suspend Time settings by selecting the Edit link on each configuration.
  8. Your Mobile Text Alerts will automatically resume once your specified Suspend Time has lapsed.

What if my mobile device is turned off when a Mobile Text Alert is sent? 
Mobile carriers typically will save undelivered text messages until you turn your mobile device back on, meaning you will receive the message the next time your phone is turned on.

How can I stop receiving Mobile Text Alerts? 
You can stop alerts in two ways:

  • Turn the Alert off for mobile phone contact points in the Preference Center under the Alerts tab.
  • Text STOP to UMB [50106] to turn off all alerts and mobile banking capabilities for this mobile device. If you decide that you would like to restart your UMB Alerts, just text START to UMB [50106].