UMB Digital Banking User Guide

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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