UMB Mobile vs Academy Bank

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

There’s never been a better time to bank from your phone. Deposit checks, transfer funds, check balances, receive alerts, view activity, and find ATMs or branches. To get started, download and launch the app. Then sign on with your Academy Bank Online Banking Access ID and password. It’s that simple. Free Mobile Deposits[1] • Make check deposits with your phone • View deposited checks history Monitor Your Account • See account balances and transaction history • View your account balances without logging in with Instant Balance[4] Mobile Banking Alerts[2] • Balance level alerts: lets you know when you have gone above or below your pre-selected amount. • Transaction alerts: lets you know when specific transaction activity occurs on your account. • Scheduled alerts: sends you the latest information on your available balance and recent account history at regular intervals. • Actionable alerts: act directly from notifications to transfer money when your balance goes below a set threshold. • Security alerts: be notified when your account password is changed or your account is locked. • Alert History: see your alert(s) history for the past 90 days. Perform Transactions • Pay bills[5] • Transfer money between Academy Bank accounts • Place a stop payment[3] Find Branch Locations and ATMs • Find the nearest Academy Bank banking center locations & ATMs • Speak with a bank representative Safe and Secure Academy Bank is committed to your security and protecting the privacy of your financial information. We use state of the art technology to protect unauthorized access to your account, your wireless communication is securely encrypted, and your personal information is not stored on your phone. Have Questions? Call 1-877-712-2265 1. Deposits are subject to verification and not available for immediate withdrawal. 2. Message and data rates charged by your mobile carrier may apply. 3. Fees apply. 4. This balance may not reflect all outstanding deposits and/or withdrawals. 5. Fees apply for Expedited Payments with overnight delivery. Academy Bank – Member FDIC