TRANSITION RESOURCE CENTER

Minnesota Bank & Trust
joins UMB Bank

Welcome to UMB Personal Banking

We’re focused on making this transition as smooth as possible—before, during and after conversion weekend, July 11-13, 2025. We’re excited to begin serving you as a UMB customer on July 14, 2025.

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.

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.

Current action items:

  • By July 2 – Verify and update personal contact information through your current online banking, visiting a branch or calling customer service at 877-280-1860.

  • By July 2 – Ensure your preferred Secure Access information is up to date in your online banking Settings. Go to Security Preferences and select Secure Delivery.

  • By early July – Review activation instructions included with your new UMB debit or ATM card.

  • Continue to use your current debit and ATM cards through Sunday, July 13.

  • Make a list of third parties that have your debit card number stored for automatic payments or direct deposits. You may need to update these after conversion weekend.

  • 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.

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 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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Checking and Savings

Learn more

Loans and Lines of Credit

Learn more

Debit Cards

Learn more

Online Banking

Learn more

Health Savings Accounts (HSAs)

Learn more

UMB Mobile Banking

Easily manage your money from your mobile phone or tablet, anywhere, anytime, with UMB Mobile Banking.   

Download the UMB Mobile app today to be ready for your first-time access on July 14.

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 customer service:

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 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?