Card Center Direct Support
Answers to your digital banking questions.
Card Center Direct Support
See user guides and get FAQ’s.
Card Center Direct Support
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Card Center Direct User Guide
Click to access the full guide to digital banking for Card Center Direct. Download, print, or access online at any time.
Secure Message
Questions about your account? Log in and send a secure message and we’ll respond within 1-2 business days.
Live Chat
Mon-Fri: 8:00AM – 6:30PM CT
Sat: 8:00AM – 5:00PM CT
Card Center Direct – Contact Us
Consumer
PO Box 219736
Kansas City, MO
64141-6226
Business
PO Box 875852
Kansas City, MO
64187-5852
Phone - Consumer
Digital Banking Support
M-F:7AM-8PM CT
Sat.:8AM-5PM CT
Credit Card Customer Service
24/7
Phone - Business
Credit Card Customer Service
24/7
Credit Card Enrollment Support
M-F:8AM-5PM CT
Digital Banking Support
M-F:7AM-8PM CT
Sat.:8AM-5PM CT
Call Us
Please call customer service immediately if you notice that your credit card has been lost, stolen, or fraudulently compromised.
- Consumer Credit Card – 800.821.5184
- Business Credit Card – 888.494.5141
Pay Credit Card
Credit card payments can be submitted in online banking or by U.S. Mail.
To make sure your payment is processed correctly, please include your credit account number on your check and send to the address above.
My card is lost or stolen, what should I do?
Please reach out to the Service Center for immediate assistance. Support is available 24/7.
- Consumer Credit Card – 800.821.5184
- Business Credit Card – 888.494.5141
What should I do if I’ve forgotten my personal identification number?
If you forgot your PIN, call customer service and we will mail a reminder to your address on file. This reminder can take up to 5 days to receive. If you can’t wait for the reminder to arrive, you can call our automated system at 855.253.1057 and reset it immediately.
What steps do I need to take if I’m planning to use my card internationally?
If you plan to use your UMB issued credit card in another country, please let us know your travel dates and destinations before you leave. You can let us know by calling customer service or accessing "Travel Notification" under the settings menu in online banking. When you let us know, we will place a travel notification on your account.
Please be aware that most cards have a 2% foreign transaction fee associated with them and the Office of Foreign Assets Control (OFAC) has restricted card usage in certain countries. Contact customer service or refer to your cardholder agreement for more details on international transactions.
I recently opened a dispute, but still do not see my credit. Why?
Once a dispute has been opened, we have up to 10 days to place a temporary credit into the account while the case is being worked to its completion. It’s possible we are still working to process any temporary credits for your account. Please call 855.253.0614 for updates on your disputed transaction(s).
System and browser requirements
- Microsoft Windows 10 or Mac OS X 10.10 with a supported PC or Mac®.
- Google Chrome, Mozilla Firefox, Apple Safari (current and previous two versions).
- An internet connection with a minimum of 1Mbps download speed.
- Fingerprint Login, Touch ID and Face ID is only supported on eligible Android or Apple iOS devices.
Card Center Direct Online Banking Agreements
Online banking terms and agreements
Download and review the latest terms and agreements for online banking.