How does UMB Online Bill Pay service work?
There are two types of payments through UMB Bill Pay. Each of these are processed as follows: Check Payments – If the vendor you are making a payment to is not setup to receive an electronic payment, a check is issued and sent via US Mail. The system will generate a check number. The checks will clear against your account just as if you had written the check from your own checkbook. There is no validation of available funds prior to the issuance of a UMB Bill Pay check. You will need to make sure funds are available for the check or you may be subject to a nonsufficient funds fee as stated in the Miscellaneous Fee Schedule. Electronic Payments – These payments are processed at 2:00 A.M. CST and 12:00 Noon CST, on any business day. If funds are available at these processing times, the payment will be electronically transferred from your UMB account through the Automated Clearing House (ACH) network. If the funds are not available the payment will not be processed. The system will contin
