Agent Bank | Co-Branded Credit Cards

UMB Agent Bank understands and anticipates the needs that may arise from enhancing and growing your business. As a result, financial institutions across the country partner with UMB to lower their business costs, increase non-interest fee income and ease their regulatory burden.

Agent Bank consumer and business card programs can help your organization grow revenue streams by offering a variety of valuable products to your customers, without incurring investments in systems, capital, and human resources, and while limiting the risk to your institution and easing your regulatory burden. By leveraging our portfolio acquisition experience, we can also guide your organization to enhance and grow existing card programs.

UMB Agent Bank Co-Branded Card Programs include:

A Dedicated Card Support Team
Underwriting and Credit Approvals
Card Issuance
Program Management
Card Processor, BIN and Network Management
Apple Pay Compatibility
EMV Chip Enabled Cards
Marketing Best Practices and Assistance
Multilevel Card System Fraud Prevention Strategies and Monitoring
24/7 Customer Service
Dispute Resolution
Risk Mitigation and Loss Prevention Strategies

Competitive Product Set

With a focused set of competitively priced products, your associates can quickly become well-versed in the card program, enhancing sales-enablement and program success.

Consumer and Business Card Programs feature Rewards and:

Online Account Access
Convenient Cash at ATMs
Visa’s Zero Liability Fraud Protection
Emergency Cash Disbursement & Card Replacement
Travel and Emergency Assistance Services
Warranty Manager Service
Auto Rental Insurance
Medical Referral - Business Only
Legal Referral - Business Only
Hotel Discount Program - Business Only
Individual Spending Limits by Employee - Business Only
Link all rewards to a single account - Business Rewards Only

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.