Also known as: UMB
UMB Bank is a diversified financial institution headquartered in Kansas City, Missouri, and a subsidiary of UMB Financial Corporation. It operates across the Midwest and in a number of additional states, providing banking services to individuals, businesses, and institutional clients.
For individual customers, UMB Bank commonly offers checking and savings accounts, personal loans, home mortgages, and wealth management services. The bank has a private wealth management division that serves higher-net-worth individuals and families with investment management, trust, and estate planning services.
For businesses, UMB provides business checking and savings accounts, commercial loans, business credit cards, treasury management services, and healthcare banking solutions. UMB has a recognised presence in healthcare financial services, providing specialised banking products for healthcare providers and institutions. This includes health savings account administration for employers and individuals, which is an area of particular expertise for the bank.
UMB also operates a fund services division that provides administration services for mutual funds and alternative investment vehicles. This institutional side of the business is separate from its retail and commercial banking operations but contributes to the bank's broader financial services identity.
The bank's mobile and online banking platforms support account management, bill payment, fund transfers, and check deposit for retail and business customers. Physical branches are available in its core Midwest markets.
For home buyers, UMB Mortgage offers conventional loan products. Personal loans are available for qualifying individual customers.
UMB Bank has branches in Missouri, Kansas, Colorado, Illinois, Oklahoma, Nebraska, Arizona, and other states, though the density of physical locations varies by market. Customers in states without a local branch can access many products and services through digital channels.
UMB Bank is FDIC-insured and deposits are covered up to applicable limits. Rates, fees, and product availability vary by individual circumstances and location. Applicants should confirm product availability in their state before applying.
Quick info
Bank
UMB
UMB Financial Corporation
FDIC-insured.
2026-06-06
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Checking and savings; personal loans; mortgages; business banking; wealth management
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Date checked
2026-06-06
How do I make a complaint about UMB Bank, n.a.?
Start with UMB Bank, n.a.'s internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is UMB Bank, n.a. regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find UMB Bank, n.a.'s official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think UMB Bank, n.a. has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a UMB Bank, n.a. issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
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