You will receive communication letting you know the decision shortly after completing your application. The decision process is generally very fast, but the exact timing depends on how you applied.
1. Instant Decisions (Most Common)
If you applied online or in-store and your credit profile is straightforward, you will usually see an approval or denial within 60 seconds on the screen.
Approval: You’ll get a confirmation number and sometimes a temporary credit limit for immediate use.
Denial: You will receive a notice on-screen, followed by a detailed letter in the mail within 7–10 days explaining the reason.
2. Pending or "Under Review" (7–10 Business Days)
If you didn't get an instant answer, your application has likely been flagged for manual review. This happens if the bank needs to verify your identity, income, or if your credit report was frozen.
Timeline: You will typically receive a final decision via email or physical mail within 7 to 10 business days.
Next Step: Watch your email (including spam) for any requests from UMB Bank for additional documents.
3. How to Check Your Status Right Now
Unlike some larger banks, UMB does not have a public online portal to check personal credit card application statuses. To get an update, you should:
Call UMB Card Services: 1-800-821-5184
What to Have Ready: Your Social Security Number and the zip code used on the application.
Tip: If you are told the application is "pending," you can ask if there is any specific information they need to move it forward faster.
Once Approved
Card Arrival: Your physical card will arrive in the mail within 7–10 business days.
Activation: You can activate it by calling 855-253-1057 once it arrives.