Welcome to UMB Bank
We’re excited to begin serving you as a UMB customer—supporting your financial needs today and into the future.
This site offers important information about changes that will impact your accounts and services as you transition to UMB. Please bookmark and continue to reference this resource center throughout the transition.
We’ll continue to provide updates as we prepare for our system conversion over the weekend of July 11-13, 2025.
We’re focused on making this transition as smooth as possible. After conversion weekend, you can bank at any UMB branch and take advantage of even more products and services with access to the full suite of UMB financial solutions.
Current action items:
Continue to bank as usual until conversion weekend. If you’re impacted by a change before July 11, we’ll contact you directly.
- By early July – Look for your UMB credit, debit or ATM card to arrive and follow the activation instructions included. You can start using your new card after conversion weekend.
- Make a list of third parties that store your current credit or debit card number for automatic payments or direct deposits.
Download the UMB Mobile Banking app from the app store for your mobile device to be ready for your first-time access on July 14.
Upcoming service interruptions:
- Online banking and mobile banking will be unavailable beginning Friday, July 11, 8 p.m. CT.
- While transactions will continue to process during conversion weekend, you may notice a delay in when those transactions are reflected in your account balance.
At this time, only accounts and services with Minnesota Bank & Trust are moving to UMB in July. If you bank at a different division of UMB, stay tuned for information about your system conversion in October 2025.
Conversion weekend timeline and service availability
| Products and Services | Friday, July 11 | Saturday, July 12 | Sunday, July 13 | Monday, July 14 |
|---|---|---|---|---|
| Bank As Usual | System Conversion | Welcome to UMB | ||
| Current Debit, Credit and ATM Cards | Available | Available | Available | Start using your new UMB card and destroy your old card |
| Online and Mobile Banking | Available until 8 p.m. CT |
Unavailable | Unavailable | Log in to UMB Online Banking and the UMB Mobile app |
| Bank Branches | Open during normal business hours | Closed | Closed | Visit UMB branches during normal business hours |
| Customer Service | Current Service Center 8 a.m.-7 p.m. CT at 877-280-1860 |
Current Service Center 8 a.m.-5 p.m. CT at 877-280-1860 |
Current Service Center 8 a.m.-5 p.m. CT at 877-280-1860 |
UMB Service Center 7 a.m.-8 p.m. CT at 800-860-4862 |
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UMB Mobile Banking
Easily manage your money from your mobile phone or tablet, anywhere, anytime, with UMB Mobile Banking.
Download the UMB Mobile Banking app today to be ready for your first-time access on July 14.
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 customer service:
- Before July 14, call 877-280-1860.
- Beginning July 14, call 800-860-4862.
Important account and service information
Personal Banking customers:
If you’re currently enrolled in online banking, you’ll automatically be enrolled in UMB Online Banking. Beginning July 14, you can set up your online account access in UMB Online Banking at UMB.com or in the UMB Mobile Banking app, available to download in the app store for your device. Either online or in the app, enter your existing online banking user ID, then follow the prompts for a first-time login. After you complete your first-time login, your user ID and password will be the same for Online and Mobile Banking.
Business Banking customers:
Most customers will move to UMB Premier Business Online Banking. You’ll receive communication with your login instructions close to conversion weekend. We recommend Premier Business Online Banking users download the UMB Mobile Banking app and log in with the same credentials. For more details, visit our business online banking resources.
You’ll receive your new UMB debit or ATM card in the mail by early July. You can follow the activation instructions included with your card when you receive it. However, you need to continue to use your existing card through July 13.
On July 14, start using your new UMB card, stop using your old card and destroy it.
For business customers, you’ll receive a new UMB credit card in the mail by early July. You can follow the activation instructions included with your card when you receive it. However, you need to continue to use your existing credit card through July 13. On July 14, start using your UMB credit card, stop using your old card and destroy it.
Note: If you’d like to redeem your current business credit card rewards for a statement credit, you’ll need to do so before July 7. You’ll continue to earn rewards on your current card through July 13 and can redeem remaining reward points for merchandise and travel until 11:59 p.m. CT on August 31. For more information, visit our credit card resources.
Direct deposits to your account set up before July 11 will carry over to UMB.
Most customers will keep their same deposit account numbers. If you require a new deposit account number before conversion weekend, we will contact you directly with instructions.
Additionally, most customers do not need to update checks or recurring direct deposits or payments to the UMB routing number at this time. If it is necessary for you to switch to the UMB routing number before conversion weekend, we will contact you directly with instructions.
Before conversion weekend, most branches will remain open and available during their regular business hours. We’ve already notified customers in areas where there will be exceptions.
After conversion weekend, visit locations.umb.com to find a UMB branch near you.
Commonly asked questions
UMB Bank, n.a., acquired HTLF Bank, formerly the parent company of Minnesota Bank & Trust, via merger in early 2025. As Minnesota Bank & Trust transitions to UMB, we’ll continue to provide details on this site. The system conversion will take place the weekend of July 11-13, 2025. Beginning July 14, you’ll 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.
