TRANSITION RESOURCE CENTER

Welcome to UMB Bank

UMB Personal Banking

We’re excited to begin serving you as a UMB customer. 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.

Only accounts and services with Minnesota Bank & Trust moved to UMB in July. If you bank at a different division of UMB, stay tuned for information about your system conversion in October 2025.

Current action items:

  • Start using your new UMB debit and/or ATM card(s), following the activation instructions included with them. Stop using your old cards and destroy them.

  • Provide your new 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.

    • Confirm you are using and continue to use the Minnesota Bank & Trust, a division of UMB Bank, n.a. routing number: 091018302.

Checking and Savings

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Loans and Lines of Credit

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Debit Cards

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Online Banking

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Health Savings Accounts (HSAs)

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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.

Visit Google Play 
Visit Apple App Store 

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.

Commonly asked questions

UMB Bank, n.a., acquired HTLF Bank, formerly the parent company of Minnesota Bank & Trust, via merger in early 2025. As of July 14, you 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 and HTLF have similar values and cultures, with a shared focus on building personal relationships with our associates, customers and communities. With the acquisition, UMB has approximately $68 billion in assets (based on assets as of Dec. 31, 2024), a history of strength and stability, and a broad reach—offering you even more banking opportunities with access to an expanded array of UMB financial services and solutions. 

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.   

Questions on a specific account or service?