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    I always had my target card connected to target national bank and I also had the issue of transactions no longer downloading I reset my account this am and it did reconnect and downloaded missing transactions
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    If instead you got the address from UMB my guess is that UMB won't know what to do with the check when it is received I logged into my new bank (Old National Bank) and tried to set up a Bill Pay payee there for Fidelity What came up was just "Fidelity Investments" with no option to select a Fidelity payee with UMB in the payee name
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