UMB Digital Banking User Guide

Digital Banking User Guide

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Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2023 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete information, please refer to the UMB Online Banking Agreement, the Money Manager Terms and Conditions, and the agreements and the disclosures for your accounts and services.

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Getting Started

Welcome to Online Banking with UMB! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the online banking process. If you have additional questions, contact us at 800.699.8702.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................7 Logging Off ............................................................................................................................. 9 Resetting A Forgotten Password...............................................................................10 Accounts Page Accounts Page Overview............................................................................................12 Asset Summary Overview................................................................................................... 14 Account Overview .......................................................................................................15 Quick Transfer.............................................................................................................17 Account Nickname......................................................................................................18 Details & Settings........................................................................................................19 Account Grouping.......................................................................................................20 Editing a Group Name......................................................................................................... 21 Deleting a Group.................................................................................................................. 21 Security Protecting Your Information......................................................................................22 General Guidelines .............................................................................................................. 22 User ID and Password......................................................................................................... 22 Fraud Prevention ................................................................................................................. 22 Security Preferences...................................................................................................23 Change Password ................................................................................................................ 23 Change User ID .................................................................................................................... 24 Secure Access Code Delivery.............................................................................................. 25 Mobile Security Preferences......................................................................................26 Enabling Fingerprint or Facial Recognition Login ............................................................ 26 Enabling Passcode Authentication .................................................................................... 28 Enabling Face ID................................................................................................................... 30 Secure Message Overview .........................................................................................31 Sending a Secure Message ........................................................................................33 Alerts Alerts Overview ...........................................................................................................34 Account Alerts ...................................................................................................................... 35 History Alerts........................................................................................................................ 36 Online Transaction Alerts ................................................................................................... 37 Reminder .............................................................................................................................. 38 Security Alerts Overview ............................................................................................39 Edit Delivery Preferences.................................................................................................... 39 Enabling and Disabling Push Notifications..............................................................40

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Payments and Transfers Payments and Transfers Overview...........................................................................41 Transfer Money...........................................................................................................43 Adding A Personal External Account ........................................................................45 Add a Personal External Transfer Account ..............................................................46 Verify an External Transfer Account with Micro-Deposits .....................................48 Manage External Transfer Accounts.........................................................................49 Nickname External Transfer Accounts.............................................................................. 49 Remove External Transfer Accounts ................................................................................. 50 Pay Loan.......................................................................................................................51 Pay Credit Card ...........................................................................................................53 One-Time Payment.............................................................................................................. 53 Auto Payment....................................................................................................................... 54 Payment Overview......................................................................................................55 Editing Payments ................................................................................................................. 56 Canceling Payments ............................................................................................................ 57 Online Activity Overview ............................................................................................58 Using Filters .......................................................................................................................... 59 Creating or Deleting Custom Views Using Favorites ....................................................... 59 Editing Payments and Transfers ........................................................................................ 60 Canceling Payments and Transfers ................................................................................... 61 Bill Pay Bill Pay Overview ........................................................................................................62 Creating a Payee .................................................................................................................. 62 Editing a Payee ..................................................................................................................... 64 Deleting a Payee .................................................................................................................. 65 Making a Single Payment...........................................................................................66 Editing a Single Payment..................................................................................................... 67 Canceling a Single Payment................................................................................................ 68 Making Recurring Payment .......................................................................................69 Editing a Recurring Payment .............................................................................................. 71 Canceling a Recurring Payment ......................................................................................... 72 Money Manager Initial Setup..................................................................................................................73 Tagging Transactions........................................................................................................... 75 Splitting a Transaction......................................................................................................... 77 Money Manager Dashboard......................................................................................79 Spending by Category ................................................................................................80 Budget ..........................................................................................................................82 Adding Budgets.................................................................................................................... 83

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Managing Budgets............................................................................................................... 84 Add a Budget Alert............................................................................................................... 86 Cashflow Overview .....................................................................................................87 Add a Bill or Income ............................................................................................................ 88 Net Worth ....................................................................................................................89 Add an Unlinked Asset or Debt.......................................................................................... 90 Goals.............................................................................................................................91 Adding Goals ........................................................................................................................ 92 Save for Goals....................................................................................................................... 92 Pay Off Goals........................................................................................................................ 93 Add a Goal Alert ................................................................................................................... 94 Managing Goals ................................................................................................................... 95 Card Management Card Controls ..............................................................................................................96 Activate Card ........................................................................................................................ 96 Disabling or a Card .............................................................................................................. 97 Enabling a Card .................................................................................................................... 98 Credit Limit Increase............................................................................................................ 99 Replace Card...................................................................................................................... 101 Card Controls .................................................................................................................... 102 Update PIN......................................................................................................................... 104 Card Alerts ......................................................................................................................... 105 Travel Notifications.................................................................................................. 107 Services Account Statements ................................................................................................ 109 Tax Statements ........................................................................................................ 110 Reordering Checks................................................................................................... 111 Text Banking............................................................................................................. 112 Apple Watch.............................................................................................................. 114 Apple Watch Setup ........................................................................................................... 114 Viewing Balances and Transactions ............................................................................... 114 Settings Account Preferences ............................................................................................... 115 My Profile - Address Change .................................................................................. 116 My Profile.................................................................................................................. 117 Statement Delivery Preferences ............................................................................ 118 Themes...................................................................................................................... 119 Accessibility............................................................................................................... 120 Locations Branches and ATMs................................................................................................. 121

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Getting Started New User Enrollment

If you’re new to Online Banking with UMB, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type UMB.com into your browser and click the “Enroll” link. 2. Fill out the UMB Online Banking Enrollment form and click the Continue button. Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 800.699.8702 to get help and update your profile. 3. A confirmation message appears. You are given a temporary password to use during your first-time login. Memorize the password and click the link to be redirected to log in. 4. Enter your new user ID and click the Log In button. 5. Choose the contact method that allows UMB to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. If you close your browser before receiving the SAC, you can log in again and select the

I already have a Secure Access Code button. 6. Enter the SAC and click the Submit button.

7. Choose whether to register your device for future logins. If you click the Register Device button, you do not have to request an SAC code each time you log in from that device.

Note : For additional security, we strongly suggest that you do not register your devices. Not registering requires you to use an SAC code each time you log in.

Getting Started: New User Enrollment

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8. Review and click the I Accept button to agree to the E-SIGN Disclosure and Consent, Money Manager Terms and Conditions and the UMB Online Banking Agreement. 9. Change your password by using your old temporary password. 10. Congratulations! You have successfully logged in to Online Banking! If you have any questions or concerns, call us at 800.699.8702.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your user ID and password. If you are logging in on a device that you have not previously registered, you need to request a Secure Access Code (SAC).

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1. Click the Login button. 2. Enter your User ID and click the Next button. 3. Enter your password and click the Submit button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 800.699.8702 for assistance.

Logging Off For your security, you should log off when you finish your online banking session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: New User Enrollment

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Getting Started Resetting A Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Log In page.

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1. Click the Login button. 2. Enter your User ID and click the Next button. 3. Click the “Forgot Password?” link. 4. Enter your user ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device. If your account is locked, please call 800.699.8702 for assistance.

Getting Started: Resetting A Forgotten Password

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5. Choose the contact method that allows UMB to reach you immediately with a 6-digit Secure Access Code (SAC). 6. Enter the SAC and click the Submit button. 7. Create a new password based on our password requirements and click the

Submit button when you are finished.

Getting Started: Resetting A Forgotten Password

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Accounts Page Accounts Page Overview

After logging in, you are taken directly to the Accounts page. This page is divided into three convenient sections to help you navigate to each feature within Online Banking. Here you can view the balances in your UMB accounts, see your account summaries and more!

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Note : The letters correspond to several available features on the Accounts page.

Accounts Page: Accounts Page Overview

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your accounts. A. The navigation bar appears on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your UMB accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details. D. The icon allows you to print a summary of current available funds in icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. Drag cards down to the plus icon to create new groups. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features. E. You can expand or collapse account details by clicking the

Accounts Page: Accounts Page Overview

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Asset Summary Overview If you need to quickly assess how much money is in all of your accounts, you can scroll down to Asset Summary on the Accounts page. This interactive chart represents your total assets, represented by specific colors and percentages.

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A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your UMB accounts and displays its percentage of total funds as well as the balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information.

Accounts Page: Accounts Page Overview

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Accounts Page Account Overview

Selecting a UMB account on the Accounts page takes you to the account details page, where you can view transactions pertaining to that account. From here, you can view details such as type of transaction, check images and account balances so you stay organized and on top of your finances.

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Accounts Page: Account Overview

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are sorted. A. On the Accounts page, you can click on an account name to view the account details screen. B. The current and available balances of that account displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by date, time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 17 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or you can print details about it.

Accounts Page: Account Overview

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Accounts Page Quick Transfer

No need to run to a branch to move money from one account to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make transactions.

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1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 6. Click the Transfer Funds button when you are finished.

Note : The Quick Transfer option may not be available for all accounts. See the UMB Online Banking Agreement for important information about limitations and cutoff times for payments and transfers.

Accounts Page: Quick Transfer

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Accounts Page Account Nickname

Change an account’s nickname directly from the Accounts page.

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1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a new account nickname. 3. Click the Save button when you are finished.

Accounts Page: Account Nickname

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Accounts Page Details & Settings

View additional details about an account and change the account’s visibility.

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1. Click the 2. Click the

icon right side of an account card and select View Details.

icon to edit the display name. 3. Use the toggle to decide whether or not your account is visible on the Home page.

Accounts Page: Details & Settings

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Accounts Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Accounts Page: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two easy steps.

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1. Click icon and select “Edit group name.” 2. Enter a new name and click the check mark when you are finished. Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove an account from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group after removing the last account in the group..

Accounts Page: Account Grouping

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Security Protecting Your Information

Here at UMB, we take a number of steps to protect your personal information and provide you with a dependable online experience. However, we also rely on you to take precautions to protect your account information. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Use secure wireless (WiFi) networks that require a user ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Log off Online Banking when you’re finished and close the browser. User ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your user IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 800.699.8702.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at UMB. Because of this, we’ve added various tools to help you better protect your account information. You can add and manage these features in Security Preferences.

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Change Password When you need to, you can change your password within Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

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In the Settings tab, click Security Preferences . 1. Click the Change Password button.

2. Enter your old password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes. Security: Security Preferences

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Change User ID You can also change your user ID at any time. To create an effective user ID, create an ID that you will remember and that follows our required guidelines.

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In the Settings tab, click Security Preferences . 1. Click the Change User ID button. 2. Enter your new user ID. 3. Click the Save new User ID button when you are finished making changes.

Security: Security Preferences

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Secure Access Code Delivery UMB verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by email, phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Settings tab, click Security Preferences . 1. Click the Secure Access Code Delivery button. 2. Make changes to a secure delivery method by clicking the

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changes or the

icon to delete a secure delivery method.

3. Enter your new contact information and click the

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finished to save your changes. 4. Add a new delivery contact by clicking either the New Email Address , New Phone Number or New Text Number button at the bottom of the page.

Security: Security Preferences

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Security Mobile Security Preferences

Within UMB’s Online Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into Online Banking quick and easy, but also adds an extra layer of security to your information while you are on the go! Enabling Fingerprint or Facial Recognition Login Fingerprint or facial recognition login are features that have technology that allow you to unlock your iOS or Android device to make payments or authenticate transactions. With these features enabled, you can now easily and securely sign in to your Online Banking using fingerprint or facial recognition login on our mobile app!

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Sign in to UMB’s Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Face/Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your user ID and password and tap the Authorize button.

Note : You must have facial recognition or fingerprint enabled on your mobile device before enabling it through our Online Banking app.

Security: Mobile Security Preferences

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Touch ID for “UMB”

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4. Scan your fingerprint. a. iOS Device : Place your finger on the Home button to enable Touch ID. b. Android Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go!

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Sign in to UMB’s Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your 4-digit passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your user ID and password and tap the Authorize button.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Fingerprint or Facial Recognition Login You can disable Passcode Authentication, Fingerprint or Facial Recognition Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Online Banking using your user ID and password.

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Sign in to UMB’s Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode , Face/Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature which utilizes facial recognition technology allowing you to unlock your iOS device using your face instead of a user ID and password.

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Open UMB’s Mobile app and tap the Face ID button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your user ID and password and tap the Authorize button. 3. Face ID is now set up. During your next login, tap the Face ID button to log in using Face ID.

Note : You must have Face ID enabled on your mobile device before enabling it through our Online Banking Mobile app.

Security: Mobile Security Preferences

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at UMB, Secure Messages allow you to communicate directly with a UMB customer service representative. From the Secure Messages page, you can find replies, old messages or create new conversations. When you receive a secure message, the alert is turned on by default.

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D3 Click the Secure Messages tab . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon.

Note : If you think your statement or any account or transaction information reflected in Online Banking is wrong, or if you need more information about a listed transfer you should contact UMB immediately at 800.699.8702. You may send us a message through the Secure Message Center, but that is not the fastest way of contacting us.

Security: Secure Message Overview

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D. Deleting messages

1. Click the “Delete Multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permatently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

Starting a new conversation through Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential personal information relating to your accounts or attach files within a new message.

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Click the Secure Messages tab . 1. Create a new message by clicking the

icon in the top right corner.

2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Alerts Alerts Overview

When you create an alert through Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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Click the Banking Alerts tab . A. The "New Alert" drop-down lets you create an account, history or transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit" link lets you make changes to existing alerts.

Note : All alerts are automatically sent through secure messages, but you can also choose to receive them by email, phone or text message.

Alerts: Alerts Overview

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Account Alerts Account Alerts can notify you when the balances in your accounts go above or below a number you specify.

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Click the Banking Alerts tab . 1. Use the “New Alert” drop-down and select “Account Alert.” 2. Use the drop-down to select an account. 3. Choose an account balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Alerts: Alerts Overview

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History Alerts You can create History Alerts to contact you when a check number posts or transactions meet an amount you choose.

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Click the Banking Alerts tab . 1. Click the “New Alert” drop-down and select “History Alert.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Alerts: Alerts Overview

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Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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Click the Banking Alerts tab . 1. Click the “New Alert” drop-down and select “Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Alerts: Alerts Overview

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Reminder Just like marking a calendar, you can set up alerts to remind you of specific dates or events.

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Click the Banking Alerts tab . 1. Use the “New Alert” drop-down and select “Reminder.”

2. Use the drop-down to select an event. 3. Enter the date for the alert to occur. 4. Check the box next to “Recurs Every Year” to have your alert repeat annually. 5. (Optional) Enter a message. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Alerts: Alerts Overview

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Alerts Security Alerts Overview

You can set up Security Alerts to notify you when certain security scenarios occur.

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In the Banking Alerts tab, click Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Edit Delivery Preferences

When a trigger occurs, Security Alerts are sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Banking Alerts tab, click Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Alerts: Security Alerts Overview

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Alerts Enabling and Disabling Push Notifications Have alerts sent directly to your mobile device as push notifications. Push notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

Note : Push Notifications are available for security, reminder, account and transaction alerts.

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A. When you first sign into Murphy’s online banking app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 34 for more information.) Alerts: Enabling and Disabling Push Notifications

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Payments and Transfers Payments and Transfers Overview

Whether you are transferring money between your accounts or sending money to someone outside of UMB, there are various features that help you transfer funds in different ways. • Transfer Money : Move money between your personal UMB accounts.

• External Transfer after adding and verifying external accounts : Move money after linking your external accounts.

Note : See the UMB Online Banking Agreement for important information about limitations and cutoff times for payments and transfers.

Payments and Transfers: Payments and Transfers Overview

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• Pay Loan : Move money to pay a loan at UMB.

• Pay Credit Card Make a one-time payment to your card or set up auto payments.

Note : For information about Bill Pay, see page 62.

Payments and Transfers: Enabling and Disabling Push Notifications

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Payments and Transfers Transfer Money

When you need to make a one-time or recurring transfer between your personal UMB accounts, you can use the Transfer Money feature.

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In the Payments and Transfers tab, click Transfer Money . 1. Select the accounts to transfer funds between using the “To” and “From” drop-downs. 2. Enter the amount to transfer. 3. (One-Time Transfer Only) Enter the date to process the transaction.

Payments and Transfers: Transfer Money

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4. If you would like to set up a recurring transfer, follow the steps below: a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date. 5. (Optional) Enter a memo. 6. Click the Transfer Funds button when you are finished.

Note : You can view authorized transactions by accessing the Recurring Transactions tab within the Online Activity section.

Payments and Transfers: Transfer Money

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Payments and Transfers Adding A Personal External Account

Your private accounts at other financial institutions can be linked to Online Banking with UMB so you can transfer money between two banks without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account by confirming two small deposits UMB makes into the external account.

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In the Payments and Transfers tab, click Add External Accounts . 1. Enter the account number. 2. Select the type of account using “Account Type” drop-down. 3. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip from your check book. 4. Click the Continue button.

In two to three business days, two micro-deposits will appear in your external account. Once you receive those deposits, go to the Verify External Account tab to add the account.

Payments and Transfers: Adding A Personal External Account

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Payments and Transfers Add a Personal External Transfer Account Your private accounts at other financial institutions can be linked to Online Banking with UMB, so you can transfer money between two financial institutions without ever leaving home! There are two simple ways to add an external account. Instant Verification: If available at your External Transfer financial institution, you can link your account instantly through our Plaid integration. Manual Verification: You will be asked to verify your ownership of the account by confirming two small deposits UMB makes into the external account.

Instant Verification

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In the Payments and Transfers tab, click External Accounts . 1. Click the Link via Instant Verification button. 2. Enter the necessary information to add your external account. 3. Accounts verified with credentials through Plaid will now appear under the external accounts section. Click the Continue button.

Payments and Transfers: Add a Personal External Transfer Account

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Manual Verification

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In the Payments and Transfers tab, click External Accounts . 1. Click the Link via Manual Verification button.

2. Enter your routing number. 3. Enter your account number. 4. Select you account type. 5. Click the Submit button.

Note: In two to three business days, two micro-deposits will appear in your external account. Once you receive the deposits, go to the External Accounts tab to add the account.

Payments and Transfers: Add a Personal External Transfer Account

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Payments and Transfers Verify an External Transfer Account with Micro Deposits As soon as UMB makes two small deposits of less than a dollar into your external account, you are asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to the external account.

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In the Payments and Transfers tab, click External Accounts . 1. Click the “Verify” link on the account card you would like to verify. 2. Enter the amounts of the two micro-deposits made into your external account and click the Submit button. 3. Select how you wish to receive a security code. 4. Enter the security code and click the Verify button. 5. Click the Close button. Payments and Transfers: Verify an External Transfer Account with Micro-Deposits

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Payments and Transfers Manage External Transfer Accounts

Once added you can edit an account to give it a nickname or remove it if it is no longer needed. Nickname External Transfer Accounts

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In the Payments and Transfers tab, click External Accounts . 1. Click the “Edit” link on the account card you would like to nickname. 2. Enter a nickname and click the Edit Account button.

Payments and Transfers: Manage External Transfer Accounts

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Remove External Transfer Accounts

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In the Payments and Transfers tab, click External Accounts . 1. Click the “Remove” link on the account card you would like to remove. 2. Click the Continue button. 3. Click the Close button.

Payments and Transfers: Manage External Transfer Accounts

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Payments and Transfers Pay Loan

If you need to make a one-time or recurring loan payment with UMB, you can use the Pay Loan feature.

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In the Payments and Transfers tab, click on Pay Loan . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 2. Enter the amount of the payment. 3. (One-Time Payment Only) Enter the date to process the transaction.

Payments and Transfers: Pay Loan

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4. If you would like to set up a recurring payment, follow the steps below. a. Check the box next to “Make this a recurring transaction” to repeat the transfer. b. Use the “Frequency” drop-down to specify how often the transfer should occur. c. Enter a start and end date for this transaction using the calendar features. d. If your transaction doesn’t have an end date, check the box next to “Repeat Forever.” 5. Click the Submit button when you are finished.

Payments and Transfers: Pay Loan

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Payments and Transfers Pay Credit Card

Make a one-time payment to your card or set up auto payments.

One-Time Payment

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In the Payments and Transfers tab, click on Pay Credit Card . 1. Using the “To” and “From” drop-downs, select the account the funds will be taken from and the account you wish to post the payment.

2. Use the drop-down to select a payment type. 3. Enter the date to process the transaction. 4. Click the Make Payment button.

Payments and Transfers: Pay Credit Card

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Auto Payment

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In the Payments and Transfers tab, click on Pay Credit Card . 1. Click the Autopay tab. 2. Using the “To” and “Account” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 3. Use the drop-down to select a payment type. 4. Click the Submit Autopay button.

Payments and Transfers: Pay Credit Card

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Payments and Transfers Payment Overview

Transactions initiated through Online Banking or through our app appear in Payment Activity.

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In the Payments and Transfers tab, click Pay Credit Card and then click the Payment Activity tab. A. Export your transactions into a different format by clicking the icon. B. Click on a transaction or select “Toggle Details” from the menu to view more details.

Payments and Transfers: Payment Overview

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Editing Payments Payment Activity only shows pending transactions initiated within online banking that have not yet posted to your account.

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In the Payments and Transfers tab, click Pay Credit Card and then click the Payment Activity tab. 1. Browse through your pending transactions and locate the transaction you would like to edit. 2. Click the icon and click “Edit.” 3. Make the necessary edits and then click the Transfer Funds button when you are finished.

Payments and Transfers: Payment Overview

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Canceling Payments You can also cancel authorized transactions up until their process date.

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In the Payments and Transfers tab, click Online Activity . 1. Browse through your pending transactions and locate the transaction you would like to cancel. 2. Click the icon and click “Cancel.” 3. Click the Confirm button when you are finished. The status then changes to “Canceled” on the Payment page.

Payments and Transfers: Payment Overview