Central Bank vs UMB Mobile

Easily manage your accounts on the go with Mobile Banking*. Track spending, pay bills, deposit checks, transfer funds, send money, and find nearby ATMs or branches. Early Direct Deposit - Access your direct deposit funds sooner with Early Direct Deposit for eligible checking accounts**. Save - Turn on Round-Up to automatically save by rounding up your debit card purchases, with daily transfers of the difference to your savings account. - Use Money Manager, a free tool available within Mobile Banking that provides personalized insights to help you save, budget, and track expenses. Send - Send and receive money with Zelle®, a fast and easy way to pay friends, family, and people you trust. - Transfer money to and from your accounts at other banks. - Pay bills by scheduling payments, setting up recurring payments, and managing payees. Manage - View account activity, statements, and tax documents; transfer money, make loan payments, and more. - Deposit checks by taking a photo with your smartphone using Mobile Check Deposit. - Request a replacement card, verify your details, and place your order—all within Mobile Banking. Customize Your Experience - Add nicknames and customize the order of your accounts. - Add a profile picture to help confirm you’re signing into the correct account. - Use Quick Balance by swiping down on the Central Bank logo on the app login screen to view account balances and recent activity. - Use your smartwatch to check balances, view recent transactions, and lock your card. Security - Enable biometrics to log in using fingerprint authentication or face unlock (Pixel devices). - Use multi-factor authentication for an added layer of security when logging in from new or unknown devices. - Receive push, text, or email alerts for balances, transactions, cards, and payments. For an optimal experience, our app works best on devices with IOS 14 and up. If you are using an older version, you may not receive all new features. If you are having issues, navigate to our mobile-friendly website through your device browser. Member FDIC. *Mobile Banking is free, but data and text rates from your mobile carrier may apply. Terms and conditions apply. Zelle® is intended for sending money to family, friends, and people you know. We recommend that you do not use Zelle® to send money to anyone you do not know. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. **Early availability is not guaranteed and may vary between deposits and may depend on instructions sent by the payer or any limitations we set. Not all direct deposits qualify. Available for eligible accounts: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. Enrollment is required. See our Early Direct Deposit Agreement for more details.

With UMB Mobile, you can easily manage your UMB bank accounts from anywhere, at any time. UMB Mobile lets you check balances, transfer funds, manage alerts, pay bills, and find UMB ATMs from your mobile device. Manage your accounts • Review account activity and balances • Access your account statement • Track payments and spending • Set up and receive important account and security alerts Transfer Money • Transfer money between your UMB accounts • Securely set up and manage transfers between UMB accounts and other bank accounts Pay Bills • Schedule and manage payments to individuals and businesses • Manage account payees • View and search payment history Deposit Checks • Quickly deposit checks using your device’s camera • Review the mobile deposit in your account1 Keep in Contact • Contact Us using secure messages • Chat with UMB customer service for account help • Connect with us via phone or email • Find UMB ATMs and bank locations Stay Secure • Change your account user ID or password • Set up Touch ID or Face ID • Set up Fingerprint authentication • Manage your profile and settings Security Details • Advanced technology protects your personal information to prevent unauthorized access • No personal banking data is stored on your device • UMB is committed to protecting the privacy of your information Premier Business Online Banking • Submit ACH Payment and ACH Collection batches • Access and pay your Business loans • Place stop payments on checks • Access business information reporting For detailed information concerning security and privacy, visit umb.com/privacy For more information about UMB Mobile Banking, visit umb.com/mobile Review digital banking help, services information and online agreements at umb.com/digitalbankinghelp 1 Deposits are subject to verification and may not be available for immediate withdrawal. Other restrictions may apply. Please see your deposit account agreement (called Important Information Regarding Your Deposit Accounts) for full details. Touch ID and Face ID are registered trademarks of Apple Inc. UMB and related trademarks are trademarks of UMB Bank, n.a. and/or UMB Financial Corporation