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Paying Bills

UMB online banking allows you to pay bills electronically from your eligible UMB accounts. Always make sure adequate funds are available prior to initiating a bill payment. If you have the UMB overdraft protection service, the line of credit provided by this service may be accessed to cover a potential overdraft against your deposit account. (Please refer to the Overdraft Protection section of this guide for more details.)

NOTE: You can make payments through online banking to any business, merchant or professional that generates a bill or invoice for products or services provided to you or on your behalf, and that has an address we can verify ("Business Payee"). You may also make payments to individuals, family, or friends for non-business purposes ("Personal Payees"). Payments may be made only to Payees with a U.S. payment address. You may not make a payment of alimony, child-support, taxes, or other governmental fees, court-directed payments, or payments to settle securities purchases through online banking.

Adding Payees

UMB online banking allows you to set up and maintain the companies and individuals to whom you will be sending bill payments. These are your payees. To create new payees, follow the steps below.

  1. Click the Add New Payee link on the menu on the left.
    -or-
    From the Pay Bills page, click the Add Payee button, opening a window enabling you to enter new payee information.
  2. In the Payee section on the Add New Payee page, provide the pertinent information for the payee.
  • Enter the Payee (vendor) Name of the payee. This is the name of the payee as it appears on the address of the bill payment (e.g., AT&T). Don't confuse the name with the nickname, which allows you to easily identify an account with this payee while using UMB online banking. The nickname does not appear on the actual bill payment sent to the payee.
  • Enter the address and phone information for the payee.
  1. Enter information on each account you have with that payee.
  • Enter Your payee account number or customer ID. This is the account number or customer ID that the payee needs to be able to apply your payment to the proper account. If you are unsure what to enter, please contact the payee. (UMB cannot verify payees' internal methods for referencing customer accounts.)
  • Enter an optional Nickname for this account. The nickname allows you to easily identify this account while using UMB online banking, especially if you have more than one account with the same payee. The nickname does not appear on the actual bill payment sent to the payee.
  • If you need to add another account for this payee, click the Add another account link.
  1. Click Submit to save the new payee information.

Paying a One-time Bill

On the new Bill Pay page*, you can initiate a single bill payment to a vendor for a specific amount, deducted from your checking account, for a future date you specify. To do so, follow the steps below.

  1. *Click the “Try Our Enhanced Bill Pay” link at the top of the Pay Bills page. This opens the new Pay Bills page that displays your "favorite" (most frequently used) payees.
  2. To display all payees, click All Other Payees.
  3. Click anywhere on the payee line. The line is highlighted in gray, and a Details box opens to the right of the line. The Details box displays information about the payee and pending payments to that payee, and enables you to specify more payment information.
  4. Enter the Amount of the payment.
  5. Enter the Due date in the format mm/dd/yyyy, or click the calendar button to select the date from a calendar. The first due date is the date the payee needs to receive the payment. When you select the due date on the calendar, we’ll show you the lead time required to get the payment to your vendor on time. (Typically, it’s two business days less if the vendor accepts electronic payments.) Clicking Earliest at the bottom of the calendar automatically selects the earliest possible delivery date.
  6. From the Pay from list in the Details box, select the account from which the payment is made. To make that account the default account, click Make Default.
  7. Enter an optional Memo for the payment.
  8. If necessary, click on another payee line and repeat steps 3-7 to pay other bills.
  9. Click Submit to submit the payment(s) to UMB.

Note: To delete all payment information you have entered on this page without submitting it to UMB, click the Reset button at the top of the page.

You also can make a one-time bill payment from the View / Edit Payees page. To do so, follow the steps below.

  1. Click the View / Edit Payees link on the menu on the left side of the page. This opens the View / Edit Payees page, which displays all of your payees.
  2. Click the One-time link to the right of the appropriate payee. A Create One-time Payment box pops up.
  3. Enter the Amount of the payment.
  4. Enter the Due date in the format mm/dd/yyyy, or click the calendar button to select the date from a calendar. The first due date is the date the payee needs to receive the payment. When you select the due date on the calendar, we’ll show you the lead time required to get the payment to your vendor on time. (Typically, it’s two business days less if the vendor accepts electronic payments.) Clicking Earliest at the bottom of the calendar automatically selects the earliest possible delivery date.
  5. From the Debited from list, select the account from which the payment is made.
  6. Enter an optional Memo for the payment.
  7. Click Save to submit the payment(s) to UMB.

Setting Up a Recurring Bill Payment

You may initiate a recurring bill payment to a payee for a specific amount, deducted from your account and remitted at a regularly scheduled frequency (such as weekly, monthly, and so on). To do so, follow the steps below.

  1. On the Pay Bills page, click the Create a recurring payment link at the top of the page.
    -or-
    Click Make Recurring Payment on the left-hand menu.
    On the Create a Recurring Payment page, you provide the detail for the recurring payment.
  2. In the Payment area, provide specifics on the payment.
  • From the From (your account) list, select the account from which the funds will be deducted.
  • From the Pay to (payee) list, select the payee. (If the payee is not in the list, you may need to add it. See Adding Payees.)
  • Enter the Amount of the payment.
  • Enter an optional Memo of up to 40 characters.
  • If your first and/or final payments are different from normal payments (e.g., on an auto loan), fill in the optional Initial amount and/or the Final amount fields as applicable. If the amount is always the same, leave these fields blank.
  1. In the Date and Frequency area, provide details on when the payments should be made.
  • Enter the First due date in the format mm/dd/yyyy, or click the calendar button to select the date from a calendar. When you select the due date on the calendar, we’ll show you the lead time required to get the payment to your vendor on time. (Typically, it’s two business days less if the vendor accepts electronic payments.) Clicking Earliest at the bottom of the calendar automatically selects the earliest possible delivery date.
  • From the Repeat list, select How often the payment should be made.
  • Specify when the payments should end.
  • To end the payments after a set number of payments, select End after and enter the number of payments.
  • To end the payments after a set calendar date, select End by date and select a date from the calendar.
  • If there is no set end date, select No end date.
  1. Click Submit to submit the payment to UMB.

You also can create a recurring bill payment from the View / Edit Payees page. To do so, follow the steps below.

  1. On the View / Edit Payees page, click the Recurring link to the right of the appropriate payee. The Create Recurring Payments box pops up, enabling you to set up the recurring payment.
  2. In the Payment area, provide specifics on the payment.
  • From the From (your account) list, select the account from which the funds will be deducted.
  • Enter the Amount of the payment.
  • Enter an optional Memo of up to 40 characters.
  • If your first and/or final payments are different from normal payments (e.g., on an auto loan), fill in the optional Initial amount and/or the Final amount fields as applicable. If the amount is always the same, leave these fields blank.
  1. In the Date and Frequency area, provide details on when the payments should be made.
  • Enter the First due date in the format mm/dd/yyyy, or click the calendar button to select the date from a calendar. When you select the due date on the calendar, we’ll show you the lead time required to get the payment to your vendor on time. (Typically, it’s two business days less if the vendor accepts electronic payments.) Clicking Earliest at the bottom of the calendar automatically selects the earliest possible delivery date.
  • From the Repeat list, select How often the payment should be made.
  • Specify when the payments should end.
  • To end the payments after a set number of payments, select End after and enter the number of payments.
  • To end the payments after a set calendar date, select End by date and select a date from the calendar.
  • If there is no set end date, select No end date.
  1. Click Submit to submit the payment to UMB.
    -or-
    Click Close to close the box without saving any changes.

Canceling or Modifying a One-time Payment

You can cancel or modify scheduled bill payments prior to 1 p.m. CT on the process date of the bill payment, even if it is listed as pending.

To modify a bill payment, follow the steps below.

  1. Click the View Payments link on the menu on the left. The View Payments page lists your payment history. Payments that have not yet been processed are marked with a status of Pending.
    Pending transactions are transactions that have been authorized by the bank but have not yet been officially posted to your account. These include electronic transactions such as ATM withdrawals and deposits, funds transfers, and debit card purchases.
  2. Click the Edit link to the right of the line listing the payment. The Payment Details box pops up, enabling you to edit the payment as necessary.
  3. Modify the Amount, Due date, and Memo as necessary.
  4. Click Save to save your changes to the payment.
    -or-
    Click Close to close the box without saving any changes.

To delete a bill payment, follow the steps below.

  1. Click the View Payments link on the menu on the left. The View Payments page lists your payment history. Payments that have not yet been processed are marked with a status of Pending.
  2. Click the Edit link to the right of the line listing the payment. The Payment Details box pops up.
  3. Click Delete. A message box is displayed, prompting you to confirm that you want to delete the payment.
  4. Click OK to delete the payment.
    -or-
    Click Cancel to close the message box without deleting the payment.
  5. Click Close to return to the View Payments page.

Copying a One-time Payment

You can create a new one-time bill payment to a particular payee by copying an existing one and modifying it. To do so, follow the steps below.

  1. Click the View Payments link on the menu on the left. The View Payments page lists your payment history.
  2. Click the Copy link to the right of the line listing the payment. The Payment Details box pops up, enabling you to edit with the payment information as necessary.
  3. Modify the Amount, Due date, Debited from account, and Memo as necessary.
  4. Click Save to save the new payment.
    -or-
    Click Close to close the box without saving any changes.

Canceling or Modifying a Recurring Payment

You may cancel or modify scheduled bill payments prior to 1 p.m. CT on the process date of the bill payment, even if it is listed as pending.

To modify a recurring payment, follow the steps below.

  1. Click the View Recurring Payments link on the menu on the left. The View Recurring Payments page lists your recurring payments.
  2. Click the Edit link to the right of the recurring payment you want to modify. The Payment Details box pops up.
  3. Enter the Amount of the payment.
  4. Enter an optional Memo for the payment.
  5. If your first and/or final payments are different from normal payments (e.g., on an auto loan), fill in the Initial amount and/or the Final amount fields as applicable. If the amount is always the same, leave these fields blank.
  6. Click Submit to save your changes to the recurring payment.
    -or-
    Click Close to close the box without saving any changes.

Note: Your changes will affect only future payments. If any recurring payments are currently pending, you will need to edit or cancel them from the View Payments page.

To cancel a recurring bill payment, follow the steps below.

  1. Click the View Recurring Payments link on the menu on the left. The View Recurring Payments page lists your recurring payments.
  2. Click Delete. A Payment Details box is displayed, asking if you want to also delete pending payments.
  3. Select Delete pending payments also to delete the recurring payment and any pending payments.
    -or-
    Select Do not delete pending payments to delete the recurring payment, but to go ahead and make any pending payments.
  4. Click Delete to delete the recurring payment.
    -or-
    Click Cancel to close the message box without deleting the payment.

Setting Up Payee Accounts

For every payee you set up, you can have multiple accounts. (e.g., if you have two phone lines with Sprint, you can use the same payee, but have two separate accounts in order to send payments for either one.)

You can add accounts as you set up payees, or you can add accounts to a payee later. To add, delete, or modify an existing payee's accounts, see Modifying a Payee below.

Modifying a Payee

To change information about a payee--including adding, modifying, or deleting payee accounts--follow the steps below.

  1. Click the View / Edit Payees link on the menu on the left side of the page. The View / Edit Payees page lists all the payees you have set up.
  2. Click the Edit link to the right of the payee you want to modify. Information for this payee is displayed, including all accounts that have been set up for the payee. On the Edit Payee page, you modify the payee details and accounts.
  3. Modify the payee's name, address, and phone information as necessary.
  4. Modify information as necessary on each account you have with that payee.
  • If necessary, modify Your account number or customer ID. This is the account number or customer number that the payee needs to be able to apply your payment to the proper account. If you are unsure what to enter, please contact the payee. (UMB cannot verify payees' internal methods for referencing customer accounts.)
  • If necessary, modify the Nickname for this account. The nickname allows you to easily identify this account while using UMB online banking, especially if you have more than one account with the same payee. The nickname does not appear on the actual bill payment sent to the payee.
  • To delete the account, click the Delete button below the account information. Note: You cannot delete an account if you have any pending or recurring payments to that account. If you want to cancel a recurring payment, see Canceling or Modifying a Recurring Payment.
  • If you need to add another account for this payee, click the Add another account link and enter Your account number or customer ID and a Nickname.
  1. Click Submit to save the new payee and account information.

Deleting a payee does not delete recurring payments for that payee. See Canceling or Modifying a Recurring Payment to delete those payments. Any pending payments to this payee will be completed as scheduled.

Defining Favorite Payees

The Pay Bills page enables you to quickly make one-time bill payments to your "favorite," or most frequently used, payees. To define payees as favorites, follow the steps below.

  1. Click the View / Edit Payees link on the menu on the left. The View / Edit Payees page lists all the payees you have defined, along with the accounts defined for each one. Payees with multiple accounts are listed multiple times, once for each account.
  2. Select the Favorite checkbox for each payee you want to define as a favorite.
    -or-
    Clear the Favorite checkbox for each payee you no longer want defined as a favorite.
  3. To mark all payees as favorites, click the All link at the top of the "Favorite" column.
  4. To clear the favorite status from all payees, click the None link at the top of the "Favorite" column.

Whenever you make a change, the system marks your change as Saved.

Viewing Payment History

The View Payments page displays your most recent bill payments already processed by UMB, as well as those that are still pending. Any payment with a Sent status cannot be modified or deleted. Any payment with a Pending status may be modified, prior to 1 p.m. CT on the process date; see Canceling or Modifying a One-time Payment or Canceling or Modifying a Recurring Payment.

Access the bill payment history by clicking the View Payments link on the menu on the left side of the page.

  1. Click Date Range to list all payments within a specified range of calendar dates. After you click Date Range, specify the range of dates to search.
  • Enter the beginning posting date in the From box.
  • Enter the ending posting date in the To box.
  • You also can click the adjacent calendar button to select the dates from a calendar.
  • Once you have specified the dates, click Search to display all transactions posted within those dates.
  1. Click the Last 30 Days link to see payments from the last 30 days.
  2. Click the Last 90 Days link to see payments from the last 90 days.
  3. Click the Pending Only link to see only pending payments.

Paying UMB Accounts

The Pay UMB Accounts page enables you to set up payments to a UMB credit card. To make a one-time payment to a UMB credit card, follow the steps below.

  1. On the Your Accounts page, click the Pay link to the right of the appropriate credit card. The Pay UMB Account page opens.
  2. From the Pay from list, select the account from which the funds will be deducted. To add another bank account to the list, see Managing Pay From Accounts.
  3. Enter an optional Memo of up to 40 characters.
  4. Specify the Amount of the payment.
  • To make the minimum payment, select Minimum Payment. The amount of the minimum payment is displayed.
  • To pay the balance displayed on your last statement, select Last Statement Balance. The amount of that balance is displayed.
  • To pay the full current balance of the card, select Current Balance to pay the current balance. The amount of the current balance is displayed.
  • Select Other to pay any other amount. If you select Other, enter the amount in the box.
  1. In the Payment date box, enter the date you want to make the payment. (The Payment Due Date is displayed directly above the box.) You also can click the adjacent calendar button to select the dates from a calendar.
  2. Click Save to submit that credit card payment.

Managing Pay From Accounts

You can make credit card payments from any bank account (UMB or non-UMB), but you must first add that account to the Pay From Account list. To do so, follow the steps below.

  1. On the Your Accounts page, click the Pay link to the right of the appropriate credit card. The Pay UMB Account page opens.
  2. Click the Manage pay from accounts link. A Pay From Accounts window opens, displaying all the bank accounts—UMB and non-UMB accounts—that you can use to pay the credit card.
  3. Enter the account number in the Account Number box.
  4. Enter the account’s nine-digit Routing Number, found on the bottom left of a check or deposit slip.
  5. Specify whether the account is Checking or Savings.
  6. Enter the Account Nickname. This is the name of the account that is displayed in the Pay From list.
  7. Click Submit. The routing number is validated. If the routing number is valid, the account is added to the list. If not, an error is displayed and you can re-enter the routing number.
  8. Click Close.

Setting Up an Automatic Credit Card Payment

You can set up automatic payments to your UMB credit card. These payments are automatically deducted from your account when they are due. You can specify whether the system should make the minimum payment, the total of the new balance due, or a specific dollar amount. To do so, follow the steps below.

  1. On the Your Accounts page, click the Pay link to the right of the appropriate credit card. The Pay UMB Account page opens.
  2. Click the Manage automatic payments link. The UMB Account Automatic Payments opens.
  3. From the Pay from list, select the account from which the funds will be deducted. To add another bank account to the list, see Managing Pay From Accounts.
  4. From the Pay to list, select the credit card to which you want to make the automatic payments.
  5. Specify the Amount of the payment.
  • To make the minimum payment, select Minimum Payment. The amount of the minimum payment is displayed.
  • To pay the full current balance of the card, select New Balance Due.
  • Select Other to pay any other amount. If you select Other, enter the amount (at least $10) in the box.
  1. Click Submit Automatic Payment to submit the payment to UMB. A message box opens, prompting you to confirm that you want to set up the automatic payment.
  2. Click OK to set up the automatic payment.
    -or-
    Click Cancel to return to the page without setting up the payment.

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