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Mobile Short Code FAQs

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 texting from your cell phone. UMB’s short code is five digits (50106)

UMB Mobile Banking users can send text message commands to our short code, 50106, to request their account balances, view recent transactions, make transfers, pay bills, and locate UMB ATMs and Banking Centers.

In the United States, common short codes are five and six digits and cannot begin with the number “1.” Virtually every American with a Text/SMS-Message-capable device can text the same short code, regardless of their mobile device type or mobile carrier.

What is UMB’s short code?
UMB’s short code is 50106. This is easily remembered by “5+1=6”. You just replace the symbols with a “0.”

If you get a message from a short code other than 50106, you should know immediately that it is not UMB communicating with you. Do not respond to any other short code other than 50106 in relationship to UMB Mobile Banking.

If you receive a message from a short code other than 50106 and you believe that the sender is attempting to impersonate UMB, please contact us immediately by calling 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.

Short Code Security 
When signing up for our Mobile Banking service, we recommend that you add UMB’s short code, 50106, to your address book as a unique Contact. Our short code will be used for any communication between you and UMB, and will allow you to be certain that incoming messages in regard to Mobile Banking are from UMB, thereby protecting you from any smishing attacks.

For more information on how to use SMS / Text messaging within your Mobile Banking Service, see Mobile Banking Text / SMS FAQs.

For more information on security aspects of your Mobile Banking Service, see Mobile Banking Security FAQs.