Just to let anyone know who has an UMB card with autopay (mine is Simply Rewards with "pay full statement balance" selected, if that matters), if you pay your scheduled amount early, your autopay WILL STILL happen, and you'll pay your statement balance a second time.
I just found this out today the hard way and wanted to share.
The rep said I could avoid this next time by clicking payment --> view/edit payments, and there will be a button saying Skip Next Autopay or something of the sort.
Oh, and if you have a credit balance, they do not offer bank transfers. They can only send you a check.
Honestly, I'm not even bothered because their customer service has been absolutely top notch so far.