Use your HSA debit card to pay for qualified medical expenses. It should only be used at healthcare-related locations. You may need to wait until you receive your Explanation of Benefits EOB from your insurance company before you pay your provider.

Upon your direction, UMB will send a check directly to your provider. Yes, as long as your purchases are for qualified medical expenses.

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If you are purchasing over-the-counter medications, you must have a prescription from your provider. Your transaction will be denied if there are insufficient funds in your account.

You can either use a different payment method, or use your health savings account card to pay for part of the transaction with the funds remaining in your account and pay for the balance using a different payment method.

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Always retain your itemized receipts and prescriptions for over-the-counter medications as proof of your qualified medical purchases. You will need them if the IRS requests documentation to verify that the funds in your HSA were used only for qualified medical expenses. HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

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Web Content Viewer Display content menu Display portlet menu. What can I purchase with my card? What happens if my healthcare provider does not accept debit cards? What if my card doesn't work at the point of sale or the cashier tells me my transaction has been declined? You may have to use another form of payment.

The decline may be due to the following reasons: Your purchase wasn't considered a qualified medical expense under your HSA plan. Your HSA balance was too low to cover the transaction. Do I need to save my itemized receipts? How to Use ReceiptVault HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

All rights reserved. We have provided this link for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other Web sites may not follow the same privacy policies and security procedures that UMB does so please review their policies and procedures carefully.

Complementary Content. Sign up for online banking. Don't have an HSA?UMB uses the latest encryption technologies to ensure the security of our web site. However, we ask you NOT to include confidential information including account numbers, passwords, social security numbers, etc.

To discuss confidential information, please stop by any UMB banking center or call There were errors on the form, please make sure all fields are filled out correctly.

From within the Kansas City area, call Web Content Viewer Display content menu Display portlet menu. Contact Us. What can we help you with? If you are already a UMB customer, you can enroll by clicking this link to start the process. The link will take you through some authentication questions and will send you a reset authentication code to your phone or email. If you prefer some extra assistance, you can also call us at Contact a UMB representative via email: Are you a current customer?

Yes No. Send a message through online banking. If you have account related questions, log in and send them directly through online banking for added security and to save time. If your question is not account specific, continue below. Address 1 optional :. Address 2 optional :. Zip Code optional :. Send a Message Contact us with any questions any time and we will respond within business days.Compare Our Cards. Whether you know exactly what you need or prefer some help to understand your options, your UMB personal banker will be with you every step of the way.

Earn cash back or rewards points—whichever you prefer. Review the features and benefits below to find out which card is right for you. Credit card rewards programs offer all kinds of perks, from flights discounts to cash back and more. These attractive offerings give card users the ability to get something extra, simply for using their credit card.

Fake check scam continues to confuse consumers

Click here to read our Simply Rewards credit card program rules. Click here to read our Travel Select credit card program rules. Log in to online banking first-time users will need to create a user ID and password and click through to the rewards redemption website. View cardholder agreement documents.

Learn More. Cards are subject to credit approval. Credit cards are issued by UMB Bank, n. Web Content Viewer Display content menu Display portlet menu. Credit Cards Credit cards tailored to your rewards style.

Apply Now. Exceptional service Whether you know exactly what you need or prefer some help to understand your options, your UMB personal banker will be with you every step of the way. Transparent agreement We work to ensure you have the information you need to make informed decisions.

Compare our credit cards Earn cash back or rewards points—whichever you prefer. Redeem for account credits, gift cards, merchandise, travel and more. Use your reward points however you like. Cash back is automatically redeemed every quarter. No websites, nothing for you to do. Valuable Earnings Earn three points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations.

Earn one point per dollar spent on all other purchases.Your account number can be located in a couple of places.

How to bank online

If you have checks associated with the account, the longer number on the bottom of a check is your account number. Visit a branch for help from a personal banker. Order online through Deluxe Financial Services, Inc. Order at a branch or connect with us at UMB uses the latest encryption technologies to ensure the security of our web site.

However, we ask you NOT to include confidential information including account numbers, passwords, social security numbers, etc. To discuss confidential information, please stop by any UMB banking center or call There were errors on the form, please make sure all fields are filled out correctly.

Contact us with any questions any time and we will respond within 24 hrs during business hours. To reach a UMB representative, call For assistance with your credit card account, please call From within the Kansas City area, call Web Content Viewer Display content menu Display portlet menu.

Contact Us. What can we help you with? How do I order checks? To order checks, you can: 1. Order through online banking. Log in to your account to access the order dashboard. Contact a UMB representative via email: Are you a current customer? Yes No.With UMB, you can choose the best way to bank for you. We are here for you and your financial needs during this challenging time, though our branch hours have changed and we are operating with drive-thru only service.

These changes are for the health and safety of you and our associates. We will continue to serve you and service your accounts as we always have—even though it may be over the phone, via email, or through a window. Manage your bank account from your mobile device and experience all the features you need to keep your finances up-to-date while we all stay-in.

Learn more. Our full-service ATMs are a convenient way to make a deposit, withdraw cash, transfer money or simply check your balance. Find an ATM near you.

How to bank with UMB

Once you register your device and verify your phone number, you can access key account information with simple text commands. This feature lets you quickly and easily check your account balance, transfer funds, and more without requiring an account sign in. Any text-enabled mobile device can be used for UMB text banking. Text any of the established text codes to: Click here to view a list of the available text commands. View the Text Banking Terms and Conditions.

Your account information is just a touch away with phone banking, our hour account access system. You can check your account balances or loan information, and transfer funds between accounts or order checks. In the Kansas City metro area, call In other areas, call Many of our full-service ATMs are available for deposits 24 hours a day, seven days a week, days a year. To make it even more convenient, you can make a deposit with no envelopes or slips to worry about.

You can carry your credit, debit, gift and membership cards all with your device and pay in-person, online or in-app with just a tap. View the Digital Wallet Terms and Conditions. Reduce clutter, cut down on paper waste and manage your account on your time with paperless account statements and online banking.

Select paperless statements from your online account dashboard or call Lean more.Enroll in online banking. Customize your account views and control your money with powerful money management tools. Enhanced security features include updated log in verification, additional alerts for account monitoring and a secure message center.

Our app offers all the convenient banking features you love from online banking. Personal financial management with Money Manager, a powerful tool that helps you track and manage your money. Customize your online account dashboard by rearranging views and account and changing your theme. You can carry your credit, debit, gift and membership cards all with your device and pay in-person, online or in-app with just a tap. View the Digital Wallet Terms and Conditions. Reduce clutter, cut down on paper waste and manage your account on your time paperless account statements and online banking.

Select paperless statements from your online account dashboard or call Sign in to your UMB account or contact us at Web Content Viewer Display content menu Display portlet menu. More control Customize your account views and control your money with powerful money management tools. More secure Enhanced security features include updated log in verification, additional alerts for account monitoring and a secure message center.

Looking for our mobile app? Explore mobile banking. Transfer funds between accounts and pay bill from your account. View detailed account history, including credit card and loan transactions. Set up custom account alerts for enhanced account monitoring and money management. Receive private account support through our secure message center. Paperless account statements Reduce clutter, cut down on paper waste and manage your account on your time paperless account statements and online banking.

Ready to get started with online banking?UMB has convenient, on-the-go, checking accounts so you can focus less on your to-do list and more on your bucket list. Ready to get started? Visit your local UMB branch to open a checking account. Compare accounts. UMB has on-the-go, convenient and transparent checking accounts so you can focus less on your to-do list and more on your bucket list.

If you need a streamlined checking account to manage your everyday needs, try UMB Convenience Checking. Need a few perks to help your money work harder? UMB Value Checking may be the best fit for you. If you need your checking account to do more for your financial plan, UMB Select Checking may be right for you. Mobile banking, phone banking, bill pay, Apple Pay and more — bank however you want to bank with UMB.

UMB offers personalized banking services for individuals and families with high net worth, including in-depth financial consultations and a full-service review of your goals and needs. You can carry your credit, debit, gift and membership cards all with your device and pay in-person, online or in-app with just a tap.

View the Digital Wallet Terms and Conditions. With direct deposit, you can have the convenience and security of your funds being automatically deposited into your account without paper checks or extra trips to the ATM. With online banking, you can pay bills electronically from your UMB deposit account to people and businesses across the U.

Log in to your UMB online banking account to get started. UMB offers Credit Card Overdraft Protection for individuals who have been approved for a UMB credit card and wish to authorize funds to be made available in their checking account up to their available credit limit. Subject to credit approval. Your activated TotalCheck Overdraft Protection account operates similarly to a credit card, with a pre-authorized credit limit and an annual percentage rate.

HSA Card Purchases - FAQ

If your checking account becomes overdrawn, available balances in your designated savings or money market account will be used to cover the overdraft items. Finding the right checking account is all about the features you want.

Some checking accounts can help you earn interest on your balance, but not all. Interest-bearing checking accounts typically allow you to generate interest based on the amount in the account each day, which is then generally credited monthly. If you have checks associated with the account, the longer number on the bottom of a check is your account number.

You can also find your account number at the top of your account statement, which is provided each month online or in the mail. Learning good money habits at a young age can help build a foundation for responsible financial decision-making in the future. If you have children in your life, consider these tips to help teach them the importance of money management, especially saving.


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