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 credit, debit, and/or ATM card(s), following the activation instructions included with them. Stop using your old cards and destroy them.
- Provide your new credit or debit card information to third parties that store your card for automatic payments or deposits.
Download the UMB Mobile Banking app from the app store for your mobile device. Delete your Minnesota Bank & Trust 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.
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Confirm you are using and continue to use the Minnesota Bank & Trust, a division of UMB Bank, n.a. routing number: 091018302.
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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.
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 UMB at 888-892-1693.
Important account and service information
Personal Banking customers:
If were previously enrolled in online banking, you are automatically enrolled in UMB Online Banking. 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 have transitioned to UMB Premier Business Online Banking. You can access your Premier Online Banking account for the first time, using the login instructions you received before conversion. We also 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 can use the new UMB debit or ATM card you received in early July. Be sure to stop using your old card and destroy it.
Business customers can use the new UMB credit cards received in early July. Be sure to stop using your old card and destroy it.
Note: You can redeem remaining reward points from your old card for merchandise and travel until 11:59 p.m. CT on August 31. For more information, visit our credit card resources.
Most customers continue to use their same deposit account numbers. If you require a new deposit account number, 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.
Confirm you are using and continue to use the Minnesota Bank & Trust, a division of UMB Bank, n.a. routing number: 091018302.
If it is necessary for you to switch to the UMB routing number, we will contact you directly with instructions.
Your previous bank branches are now UMB branches, and most customers can continue working with the same banking team. We’ve already notified customers in areas where there are exceptions.
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. You now have access to your accounts at all UMB branches, ATMs and in UMB Online Banking and the UMB Mobile app.
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.
