Debit Card Overdraft Authorization and Enrollment


Follow the simple steps below to enroll or cancel your enrollment. When you enroll, you agree that UMB may authorize your debit card purchases even if you don’t have enough money in your checking account to cover the transaction. This will allow your transaction to be processed and may generate an overdraft fee if you do not deposit enough money to cover the transaction when it posts to your account. If you choose not to enroll, your debit card may be declined if you do not have enough money in your account to cover the transaction.

1. Authenticate your account and identity.
2. Review disclosure.
3. Select your checking account(s).
4. Consent to agreements.
5. Print your confirmation.

If you’re ready to update your enrollment status now, please enter your account information in the fields below. (All fields are required).*

UMB Checking Account Number:
Last 5 digits of Social Security Number:
Zip Code:

*We are requesting this information so that we may verify your identity. Concerned about security?