UMB Privacy and Security Center

Be safe. Be secure. Be informed.

Your privacy and security are important to us. We are committed to keeping our customers, associates, and assets safe, upholding privacy rights, maintaining a secure and resilient business, and ensuring you have the resources to protect your banking experience.

UMB Privacy and Security Center

Your privacy and security are information to us.

Your privacy and security are important to us. We are committed to keeping our customers, associates, and assets safe, upholding privacy rights, maintaining a secure and resilient business, and ensuring you have the resources to protect your banking experience.

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

800.842.8950



Report credit card fraud

855.284.9163




Report identity theft

800.860.4862




Alerts and Updates

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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.

Customer Privacy Notice

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

View Privacy Notice

Online Privacy Notice

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

View online privacy notice

Privacy Notice for California Clients

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

Security

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



UMB and PCI DSS

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.

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.

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.

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.

  • Call 800.860.4862 or visit the nearest branch
  • File a police report
  • 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 phishing@umb.com.

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.

We value your trust, protect your privacy and help safeguard your data.

Read our privacy policies

Learn how UMB’s treasury management services can help your business manage fraud.

Explore our fraud management services

Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender

When you click links marked with the symbol, you will leave UMB's website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.