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
UMB Co-Branded Card | Imagine your logo here


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.

Spencer Robbins | VP/Sr. Client Relationship Manager – Agent Bank | Institutional Banking
UMB Bank | 928 Grand Blvd | Kansas City, MO 64106
816.860.7171 Office |