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Security FAQs

What security features does UMB use?
Ensuring our customers' security is an ongoing process at UMB. New advances in technology are evaluated on a day-to-day basis, and implemented to protect your privacy. UMB uses very powerful security features that protect your personal information, such as:

  • Passwords — eight to fifteen digit codes that you determine and that provide you with access to various accounts such as your UMB account information tools, credit cards, etc.
  • PINs — a Personal Identification Number is a type of password used for credit cards, ATM and debit cards.
  • Authentication — a method that uses advanced technology and coding that identifies you after you have used your password. (For example, UMB online banking, etc.)
  • Sophisticated Virus Protection — used to detect and prevent computer viruses from entering UMB's computer network systems.
  • Powerful Firewalls — block unauthorized access by individuals or networks and protect UMB computer systems that interact with the Internet.
  • Secure E-Mail to UMB — visit this Web site and click on Contact Us located at the top of every Web page.

What is phishing?
Phishing attacks use e-mail or malicious Web sites to solicit personal, often financial, information. Attackers may send e-mail seemingly from a reputable credit card company or financial institution that requests account information, often suggesting that there is a problem. When users respond with the requested information, attackers can use it to gain access to the accounts.

How is my confidential financial information protected by UMB?
The Financial Modernization Act of 1999‡, also known as the Gramm-Leach-Bliley Act (GLBA), includes provisions to protect consumers' personal information held by financial institutions. GLBA gives authority to eight federal agencies and states to administer and enforce the Financial Privacy Rule and the Safeguards Rule. These two regulations apply to financial institutions, which include banks, securities firms, and insurance companies, and companies providing many other types of financial products and services to consumers. In accordance with this act, UMB has a privacy statement that protects your privacy.

How can I protect my privacy?
When it comes to protecting your privacy, you are the first line of defense. One of the most effective ways to protect yourself from fraud is to provide personal information on a "need to know" basis. Here are some examples:

  • Ask the company in question if your account can be established without using your Social Security number (SSN).
  • Whenever possible, limit the information you provide to your name and address, and exclude information such as your phone number, e-mail address, and mother's maiden name.
  • When available, take advantage of the opt out choice that prevents companies from sharing information about you with other companies.

What can I do at home to protect myself from Internet fraud?
There are many types of Internet fraud from viruses and e-mail scams, to identity theft and credit fraud. Implementing the following computer security measures is one way to protect yourself from fraud.

  • Maintain current versions of your computer's operating system and Internet browsers.
  • When you're not online, always disconnect from the Internet.
  • Always back up the files on your computer.
  • Install a personal firewall to help prevent unauthorized access to your home computer, especially if you connect to the Internet via a cable modem or a Digital Subscriber Line (DSL) modem.
  • Keep your anti-virus software up to date. Anti-virus software needs frequent updates to guard against new viruses. Download the anti-virus updates as soon as you're notified that a download is available. Some anti-virus programs offer an auto-update feature, where regular updates are made automatically for you.

Why is it so important to protect my Social Security number?
Your SSN identifies you throughout your lifetime, and unlike passwords, PINs, or account numbers, it cannot be changed. Because your SSN instantly verifies your identity, it is critical that you safeguard it to protect yourself from credit fraud and identity theft.

Today, SSNs are used in two different ways. The first way is that many companies use them as both a representation of identity and a secure password. Secondly, SSNs are now widely used as an identifier that can be used to tie multiple records together about a single individual.

Many institutions including hospitals, insurance companies and financial institutions use clients' SSNs as a secure representation of their identity. This means that an Internet, mail or telemarketing criminal that has your SSN could also have access to your existing financial information, as well as be in a position to establish new accounts in your name. By safeguarding your SSN, you are protecting your good name and preventing all types of fraud, including identity theft.