The Bank Identification Number (BIN) 494031 is issued by UMB BANK, NATIONAL ASSOCIATION in UNITED STATES. This is a VISA CREDIT card with INFINITE level.
BIN (Bank Identification Number), also known as IIN (Issuer Identification Number), refers to the first 6 digits of a payment card number. These digits identify the card-issuing institution, card type, and other attributes used for routing and fraud prevention.
By looking up BIN 494031, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (INFINITE), the issuing bank (UMB BANK, NATIONAL ASSOCIATION), and the country of issuance (UNITED STATES). This information is useful for payment processors, merchants, and fraud prevention systems.