UMB Personal Banking
We're excited to serve you as a UMB customer—supporting your financial needs today and into the future. You can now bank at any UMB branch and take advantage of even more products and services with access to the full suite of UMB financial solutions.
This site offers important information about changes that impact your accounts and services in the transition to UMB. Please continue to reference this resource center if you have questions. You can also call the UMB Service Center at 888-892-1693, and we'll be happy to help you.
Current action items:
Start using your new UMB debit or ATM card, following the activation instructions included with it. Stop using your old card and destroy it.
Continue to use your existing routing number.
Provide your debit card information to third parties that store your card for automatic payments or deposits.
Download the UMB Mobile app from the app store for your mobile device. Delete your previous mobile banking app.
If you haven't done so already, use your existing user ID to sign in to UMB Online Banking or the UMB Mobile app to complete your first-time access.
Bank safely: Watch for scammers
Scammers often try to exploit business transitions, like acquisitions and mergers. Before, during and after our conversion, please remember:
- We’ll never contact you to request or confirm confidential data like your account numbers or card numbers or ask for your full Social Security number.
- We’ll never request a live video call (e.g., FaceTime) to confirm fraudulent activity.
- We’ll never contact you to ask for your PINs, usernames, passwords or access codes.
If someone calls, texts, or sends email or mail claiming to be with your bank and asking for sensitive information—or if something simply doesn’t seem right—stop contact and immediately call us at 888-892-1693.
UMB Mobile Banking
Easily manage your money from your mobile phone or tablet, anywhere, anytime, with the UMB Mobile app.
Download the UMB Mobile app today.
Commonly asked questions
UMB Bank, n.a., acquired HTLF Bank and its divisions in early 2025. You have access to your accounts at all UMB branches, ATMs and in UMB Online and Mobile Banking.
If you’d like more information about the acquisition, please visit UMB Investor Relations.
UMB Financial Corporation, the parent company of UMB Bank, n.a., is a financial services company headquartered in Kansas City, Missouri, offering personal and private banking, commercial and institutional banking, wealth management, and healthcare services.
UMB is led by Chairman and Chief Executive Officer Mariner Kemper, a fifth-generation banker and the sixth Kemper CEO. Starting with a single bank founded in 1913, UMB has a solid foundation of relationship-based service and prudent business practices:
- The UMB business model emphasizes diverse revenue sources, high-quality credit and a strong balance sheet.
- UMB has strong capital levels and a very strong liquidity position, along with a loan-to-deposit ratio that allows us to be there for customers during times of need.
With more than 110 years of stability and soundness, UMB is a strong financial steward for our customers and advocate for our communities. We invite you to learn more about UMB, exploring our company culture and history.
Please continue to use your previous bank's routing number (see list below). You do not need to update checks, recurring direct deposits or payments at this time. If you need to switch to the UMB routing number, we will contact you. For reference, routing numbers for previous divisional banks are:
- Arizona Bank & Trust: 122106015
- Bank of Blue Valley: 101101950
- Citywide Banks: 107005953
- Dubuque Bank and Trust: 073900535
- FirstBank & Trust Texas: 111319347
- Illinois Bank & Trust: 071925554
- Minnesota Bank & Trust: 091018302
- New Mexico Bank & Trust: 107006541
- Premier Valley Bank: 121143273
- Wisconsin Bank & Trust: 075907594
Your previous bank branches are now UMB Bank branches, and you continue to have access to them. Plus, you have access to all UMB branches across our footprint.
If there is a change in your branch access, we will contact you directly.
We’ve aimed to provide a new account type similar to your previous account type. For example: If you previously had Free Checking with eStatements, you now have UMB Free Checking. Your previous account type determined your new UMB account type.
We offer some accounts with no monthly service fees, while other accounts with additional features do have monthly service fees. For accounts with fees, we’ll waive the monthly service fee for the first service charge cycle after conversion to provide adequate time for you to meet balance waivers and evaluate your new account.
Depending on your specific financial goals, we have a variety of accounts to fit your needs. If you prefer a different UMB account type, you can work with a UMB personal banker to switch accounts or call 888-892-1693 for more information.
For more details on deposit accounts, review Personal Checking and Savings.
