Online banking

Manage your HSA easy and securely anytime from anywhere
View your balance and transactions, print a statement, transfer funds and much more with free online banking.
  • Pay qualified medical expenses online or reimburse yourself
  • Set up recurring contributions  and reimbursements to your HSA
  • Manage HSA investments
  • Track and manage your eligible medical receipts using ReceiptVault
  • View current and prior year tax information
  • Enroll in and view e-statements online
  • Enroll in mobile banking
  • Budget management, educational tools and more



Easily track and manage your healthcare receipts all in one place.

Use ReceiptVault to securely store and organize HSA receipts for qualified medical expenses. You can even store receipts if the expense was not yet paid by the HSA to easily track unreimbursed expenditures and know the amount available for tax-free withdrawal at a later date. 

The IRS requires you to store receipts for qualified medical expenses in case you are asked to provide proof in an audit. Be sure to keep your hard copies just in case. 

Using ReceiptVault is easy!


Apple Pay®

A new and convenient way to pay for your eligible healthcare expenses

Apple Pay allows you the ability to pay for qualified medical expenses using your UMB HSA Visa® debit card with a single touch of the finger from your Apple device.

How to use Apple Pay On your Apple Device, select Apple Wallet and follow the on-screen instructions to add your UMB HSA card to your Apple Wallet. 

Read more for device compatibility and additional information.


Mobile Banking

Control of your accounts now at your fingertips.

transfer money

With mobile banking you can check your account balances, view transaction history, transfer money between your UMB account and more.

Mobile App A mobile app for your iPhone* or web launcher app for Android

Text Banking Text UMB to receive an instant text response using easy commands.

Mobile Web Mobile version of UMB Online Banking

To enroll go to online banking and select the “Mobile Banking tab and click on “Enroll”.

Learn more




UMB calculators help you determine if an HSA eligible plan is right for you, calculate your HSA contributions, compare plan out-of-pocket costs and more.

View Calculators