UMB Privacy and Security Center

Report fraud and view alerts

Contact us immediately if you believe that one of your UMB accounts has been compromised. Please have your account information and details about the suspected fraud available when you call.

Report bank account fraud


Report credit card fraud


Report identity theft


Alerts and updates

View Now

Privacy at UMB

UMB firmly believes that protecting the privacy of our customers’ information is one of our primary and fundamental responsibilities.
Contact our Privacy Team for questions or requests about privacy.

Retail customer privacy notice

Learn more about how we collect and use your information if you receive personal banking products and services from us.

View privacy notice

HSA/Flex Account customer privacy notice

Learn more about how we collect and use your information if you receive HSA/Flex account products and services from us.

View privacy notice

California clients privacy notice

Learn more about how we collect and use your information if you are a California resident receiving commercial products and services from us.

View privacy notice for California clients

Online privacy notice

Learn more about how we collect and use your information when you visit our website.

View online privacy notice

Security at UMB

Security is an important part of UMB's commitment to its customers and a foundational aspect of delivering safe, secure, and quality products and services.

Debit and credit card security

Get tips on keeping your cards and transactions safe and secure.

View card security tips


Find details on UMB's compliance with the Payment Card Industry – Data Security Standard.

View PCI information

ATM security and safety

Get tips on how to safely and securely use our ATMs.

View ATM security tips

How UMB helps protect its customers

Secure online banking sessions

Our online banking platform is built using a secure URL certificate using http Secure (https) which can be identified where the closed padlock icon is displayed in the URL address bar. This additional browser protection provides a secure connection to UMB and helps prevent intrusions into your online banking session.

Session "timeout"

To prevent unauthorized access to your information if your computer is left unattended, online banking customers are automatically logged out of their online banking account after being inactive for a preset period of time.

Text and email alerts

Online banking customers can set up account alerts that notify them when balances hit a preset amount, transactions are processed or when checks clear. This real-time data provides better account management, improved monitoring options, and early fraud detection for unauthorized purchases.

Digital banking security

UMB uses two-factor authentication to provide an added layer of protection when you bank online or through our mobile application. Two-factor authentication allows you to access UMB online and mobile banking by validating your identity each time you log in.

Identity theft

If you are a customer of UMB and believe you are a victim of identity theft, follow these steps and a UMB representative will assist you.

  • SVG

    Call 800.860.4862 or visit the nearest branch

  • SVG

    File a police report

  • SVG

    Call the fraud unit of the three credit reporting companies: Equifax , Experian , TransUnion

UMB’s contact policy

UMB will never email you or call you to request or confirm confidential data like account numbers, Social Security number or login data. If you receive a suspicious email related to your UMB account, forward the email to

Important Information

If you recently noticed unusual or suspicious activity on your account, you should immediately report each fraudulent transaction. We will work with you right away to review your accounts and identify suspicious activity. Federal Law, under Regulation E provides protection for customers when there is unauthorized activity on accounts primarily used for personal, family or household purposes. It’s important to note that if UMB is not notified of the suspicious activity within 30 days of your statement being available to you online or mailed, refunds for funds lost may not be available.

  • Home
  • Privacy & Security