Terms Of Service

Effective January 1, 2026. UMB Direct provides digital banking platforms, web portals, and associated financial utilities to customers seeking dependable account access through umbdirects.us.com subject to the binding provisions detailed throughout this legal instrument. ## Acceptance of Terms

By establishing an online profile, registering credentials, or accessing digital account utilities via UMB Direct, you formally consent to this governing agreement. This document forms an enforceable legal contract between you and UMB Bank, n.a., operating digital channels as UMB Direct. If you disagree with any portion of these provisions, you must immediately decline enrollment and discontinue all use of our web and application platforms. Access is restricted strictly to legal adults. You affirm that you are at least 18 years old and possess full legal capacity to enter into binding financial commitments under applicable law. Customers establishing joint accounts or commercial digital access confirm they possess full legal power to commit their respective joint holders or corporate entities. UMB Direct may revise these terms at any interval to reflect platform updates, regulatory developments, or operational modifications. We publish updated texts directly on umbdirects.us.com with a refreshed effective date. Continued digital access after revisions appear confirms your consent to the modified standards. ## Eligibility and Account Access

Digital banking enrollment requires at least one active, eligible deposit, credit, or loan relationship held with UMB Bank, n.a. Eligibility remains contingent upon completing verification procedures required under federal law, including customer identification protocols. UMB Direct reserves the authority to decline enrollment requests or restrict profile features when verification data cannot be fully validated. When you designate authorized signers, secondary delegates, or corporate administrators on your profile, you assume accountability for their actions. Secondary operators access balances, execute transfers, and issue payment instructions under the authority you grant them. UMB Direct relies completely on digital instructions submitted using valid administrative credentials until you deliver explicit written revocation. Corporate accounts using business cash management solutions must establish dual-control protocols where available. System administrators must promptly deactivate credentials assigned to departing staff or reassigned agents. UMB Direct disclaims losses stemming from your failure to maintain current delegate rosters. ## Use of Online Services

Online platforms operated by UMB Direct furnish round-the-clock tools for monitoring transaction activity, downloading statements, scheduling funds transfers, managing bill payments, and depositing negotiable items. These utilities serve consumer household and commercial enterprise needs across our regional footprint and remote digital corridors. Internal account transfers initiated before daily processing cut-offs post on the designated business day. Transfers directed toward external financial organizations require clearing through third-party automated networks, and execution timing depends on originating guidelines and receiving institution handling. You must maintain sufficient collected funds prior to initiating outgoing transfers or bill payments. Bill payment features authorize UMB Direct to remit funds directly to designated payees through electronic settlement or paper draft. You bear responsibility for scheduling payments sufficiently in advance of stated due dates, inputting accurate merchant account numbers, and reviewing processed records. We reserve authority to reverse payments or cancel recurring disbursements if your available balance proves insufficient. ## User Credentials and Security Controls

You must preserve strict confidentiality over your usernames, passphrases, security questions, and linked authentication factors. Never disclose your security keys to family, third-party aggregation apps, or unsolicited callers claiming connection to UMB Direct. Our representatives will never contact you by telephone or email demanding your personal password or one-time security codes. UMB Direct implements mandatory multi-factor authentication, device fingerprinting, and automatic session terminations to safeguard active digital channels. Sessions automatically expire after periods of detected inactivity to prevent unauthorized physical takeover on unattended workstations. You must log off cleanly whenever ending a session on public or shared terminals. You must contact UMB Direct immediately by dialing +1-800-860-4862 or emailing [email protected] if you suspect compromised credentials, missing hardware, or unauthorized account movements. Prompt reporting limits your potential exposure under federal banking regulations and expedites investigative safeguards. ## Electronic Communications and E-SIGN Consent

Under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), you consent to receive all notices, tax forms, account disclosures, and monthly statements from UMB Direct electronically. We deliver these communications via secure web inbox, downloadable files on umbdirects.us.com, or notifications delivered to your verified email address. Access protections at UMB Direct differ by product and channel — use published UMB Direct support paths for the latest guidance. We will alert you if technical platform adjustments materially alter software prerequisites. You retain the right to withdraw electronic delivery consent at any time without fee by submitting written notification to [email protected] or contacting +1-800-860-4862. Withdrawal transitions your account to physical paper servicing, which may alter fee schedules as outlined in your deposit account agreement. You may also request physical paper reproductions of specific electronic disclosures by calling our service team, subject to standard document retrieval fees. ## Prohibited Platform Activities

You agree to engage our digital properties exclusively for lawful financial management. You must not attempt unauthorized intrusion into non-public server clusters, subvert user authorization perimeters, or test network vulnerabilities. Intercepting data traffic transmitted across digital banking networks constitutes a severe terms violation. You must not reverse engineer, decompile, mirror, or dissemble any underlying source code or algorithmic workflows powering umbdirects.us.com. Automated tools including spiders, scraping bots, extraction crawlers, or unauthorized data aggregators may not interface with our systems without our prior formal written authorization. Fraudulent activities are strictly prohibited. These include depositing altered instruments, processing knowingly unfunded transactions, laundering illicit funds, or spoofing identifying credentials. Violations result in instantaneous account termination, administrative freezing of funds, and immediate reporting to federal and state law enforcement agencies. ## Intellectual Property Rights

All software scripts, visual interfaces, graphics, text layouts, source code, and interactive elements across umbdirects.us.com remain the proprietary property of UMB Bank, n.a. or its licensed software partners. These digital assets are safeguarded under domestic copyright statutes, patent laws — and international intellectual property conventions. The names UMB Direct, UMB Bank, institutional logos, product banners, and trade dress are registered trademarks or service marks. Nothing contained within our digital portals grants you any license or entitlement to adapt, copy, redistribute, or display these marks without obtaining prior written permission from our executive management. UMB Direct grants enrolled customers a personal, revocable, non-exclusive, non-transferable license to access our platform solely for managing active banking portfolios. Any commercial exploitation, framing, or unauthorized redistribution of our platform interface terminates this usage license automatically. ## Mobile Banking and Remote Deposit Protocols

Mobile banking features delivered through smartphone browsers or authorized mobile software—including iOS applications such as UMB Mobile Deposit Business (App Store ID 860037249)—supplement our web environment. You must acquire compatible mobile hardware and maintain carrier data connectivity to operate mobile banking solutions. Carrier messaging and cellular data fees remain your separate obligation. Remote deposit capture allows eligible account holders to transmit digital check images for clearing. You agree to endorse all checks with your signature alongside the explicit phrase "For UMB Mobile Deposit Only" before image capture. UMB Direct establishes rolling daily and monthly deposit thresholds based on account tenure, activity patterns, and regulatory parameters. Transmitted images must display clean legibility of MICR lines, payee names, and maker signatures. We reserve authority to decline any transmitted image without liability where fraud indicators, illegibility — or system limits apply. Enabling push alerts authorizes UMB Direct to deliver transactional updates, security warnings, and verification prompts directly to your mobile terminal. You can adjust alert configurations through system settings, although critical security alerts cannot be suppressed. ## Third-Party Connections and External Services

Digital banking portals may supply hyperlinks to external web addresses, including third-party payment processors, financial calculation utilities, or credit reporting bureaus. These resources are provided solely for user reference. UMB Direct exercises no regulatory control over external properties, makes no warranties regarding their accuracy, and disclaims operational responsibility for third-party websites. Interacting with outside providers introduces separate terms, distinct privacy procedures, and alternative data handling standards. We encourage careful review of those independent policies before submitting payment credentials or confidential data. UMB Direct assumes no liability for losses or damages stemming from external site interactions. ## Disclaimers

Digital services across umbdirects.us.com are offered on an "as available" and "as is" footing, without warranties of any variety, whether express, statutory, or implied. UMB Direct disclaims all implied covenants of merchantability, title, fitness for an intended objective, and non-infringement. We do not guarantee continuous, uninterrupted, or error-free system access, nor do we warrant that defects will be instantly corrected. UMB Direct bears no liability for operational failures, funds transfer delays, or service disruptions caused by force majeure events. These events encompass natural catastrophes, severe weather, regional telecommunication failures, cyber warfare, labor disputes, civil emergencies — or legislative mandates beyond our reasonable control. ## Limitation of Liability

UMB Direct, its parent organization, corporate affiliates, directors, staff — and technology contractors will not be held liable for indirect, incidental, special, punitive, or consequential damages resulting from digital platform usage. This exclusion encompasses lost commercial earnings, business interruption, computer system failure, data corruption, or operational delays, even if our representatives received prior warning concerning potential damages. Our aggregate financial liability arising out of platform operation or technical failures will not exceed the sum of service fees paid by you to UMB Direct for digital access during the three months directly preceding the incident. State consumer statutes may prohibit exclusions of specific damages; in those jurisdictions, our legal liability remains limited to the maximum degree permitted by governing law. ## Indemnification Obligations

You agree to defend, indemnify, and hold harmless UMB Direct, its parent entity UMB Bank, n.a., its operational affiliates, and their respective officers, employees, and agents against all legal claims, civil actions, damages, liabilities, costs, and expenses (including reasonable attorney fees) arising from your misuse of our digital platforms. This obligation encompasses conduct by any third party operating your credentials with your express or negligent permission. This indemnity mandate extends to claims resulting from your breach of these terms, transmission of fraudulent payment instructions, submission of altered deposit instruments, or infringement of third-party intellectual property rights. UMB Direct reserves the option to assume exclusive defense of any matter subject to customer indemnification at its discretion. ## Dispute Resolution, Arbitration, and Missouri Governing Law

Should an administrative issue or transaction grievance arise, you agree to seek informal resolution first by presenting your concern in writing to [email protected] or telephoning +1-800-860-4862. Our support team will review the records and endeavor to resolve the dispute in good faith within thirty days of notice delivery. If informal discussions fail to resolve the controversy, any claim, dispute, or legal conflict between you and UMB Direct will be settled through binding individual arbitration conducted before a single neutral arbitrator. Arbitration hearings will occur within Kansas City, Missouri. The arbitrator's ruling carries finality and may be entered for enforcement in any court of competent jurisdiction. You and UMB Direct agree to resolve disputes on an individual basis only. You expressly waive any procedural entitlement to initiate, join, or participate as a plaintiff or class representative in any class action lawsuit, private attorney general claim, or collective consolidation against UMB Direct. The arbitrator lacks authority to consolidate multiple claims or manage representative actions. These terms, your digital banking access, and any associated claims are governed exclusively by federal banking laws and the statutes of the State of Missouri, without giving effect to conflict-of-law principles. For matters outside arbitration mandates, you consent to the exclusive venue and personal jurisdiction of the state and federal courts sitting in Jackson County, Missouri. ## Service Termination and Suspension

UMB Direct reserves the authority to revoke, suspend, or terminate your digital banking privileges, automated features, or portal credentials at any time, with or without advance warning, if we suspect unauthorized operations, security compromises, fraudulent conduct, or material breach of this agreement. You may close your digital banking registration by transmitting written notice to [email protected] or contacting our support staff at +1-800-860-4862. Termination of digital access does not automatically close underlying deposit, credit, or loan accounts held with UMB Bank, n.a., which remain governed by independent account agreements. Deactivation of your online credentials does not void outstanding obligations. Scheduled transfers, executed bill payments, and pending drafts authorized prior to suspension will process according to normal clearing cycles unless specific stop-payment directives are executed. Post-termination data access remains subject to statutory retention requirements. ## Contact Information

If you have any questions, legal notices, or concerns regarding these Terms of Service or our online banking platform, please reach out to our dedicated support team directly. We are committed to addressing your operational questions and providing prompt assistance for all your account access needs across our digital corridors. You can communicate with our customer service department by sending an email to [email protected] or by calling our toll-free phone number at +1-800-860-4862 during regular operating hours. Formal legal notices and written correspondence may be dispatched via postal mail directly to UMB Direct, 1010 Grand Boulevard, Kansas City, MO 64106. Additional information regarding platform safety and service configurations can also be reviewed on our security page.