UMB will never contact you and ask for your account credentials like your login or passwords for online banking. Don’t share your account passwords, PINs and other sensitive authentication information.
Access the correct UMB website
We recommend that you type “UMB.com” in your browser, then login into your account. Clicking a link sent in an email may route you to a fraudster instead of UMB.
- Always use the official UMB website at UMB.com or trusted UMB customer service channels to update your account information or make inquiries.
- Verify the website's URL and look for secure connections (https://) to ensure you're on the legitimate UMB site.
Be suspicious of an unexpected call or message
If someone contacts you claiming to represent UMB and something doesn’t seem right:
- Don’t provide any information.
- Don’t assume you’re speaking with UMB based on a phone number or email address. Phone numbers and email addresses can be falsified or spoofed.
- Reach out to UMB directly through your relationship manager or treasury management officer (TMO) using their verified contact information or information from the official UMB website.
Keep your passwords private
- Create unique passwords for each of your accounts and don’t reuse them.
- Don't use passwords based on personal information that’s easily accessed or guessed (e.g., anything shared on social media).
- Don't use words that can be found in any dictionary.
Watch for these red flags
- Unexpected or unsolicited calls or email from a financial institution
- Business-related emails from personal accounts
- Requests that create a false sense of urgency, especially if they encourage you to bypass verification steps
- Requests that come outside of normal business hours
- Contacts insisting on only communicating through one method (e.g., You receive a message from a known contact, but they claim they can only be reached through e-mail).
- Messages with grammar errors or awkward wording
We’re committed to increasing awareness around fraud, phishing and business email compromise (BEC).
If you suspect that you’re a victim of fraud, please contact your UMB relationship manager or Treasury Management Officer.
Check the UMB Privacy & Security Center on the UMB website regularly to learn more about risk-mitigation best practices and view security alerts.
More helpful information about BEC prevention best practices and red flags is available on the UMB blog.