UMB Bank Overview

UMB Bank is a regional financial institution headquartered in Kansas City, Missouri, and a subsidiary of UMB Financial Corporation. With roots dating back to 1913, the bank serves personal, business, and commercial customers across multiple U.S. markets. Its services include checking and savings accounts, credit cards, personal loans, mortgages, commercial lending, treasury management, and wealth management.

In Utah, UMB Bank operates a full-service retail branch and commercial banking office in Midvale, along with an additional commercial banking office in Salt Lake City. The bank’s presence combines everyday consumer banking with business lending and specialized financial services, reflecting its broader regional banking operations.

Table of Contents

• History and Expansion in Utah
• UMB Bank Products and Services
  • Checking Accounts
  • Savings Accounts
  • Certificates of Deposit
  • Credit Cards
  • Loans
  • Mortgages and Home Loans
  • Business Checking Accounts
• Conclusion
• Related Banks

History and Expansion in Utah

UMB Bank traces its origins to 1913, when it was founded as City Center Bank in Kansas City, Missouri. The bank became associated with the Kemper family in 1918 and expanded over the following decades, developing from a local institution into a regional banking organization. Today, UMB Bank, National Association, operates as a subsidiary of UMB Financial Corporation, providing personal, commercial, institutional, and wealth management services.

A major milestone came on January 31, 2025, when UMB Financial Corporation completed its acquisition of Heartland Financial USA, expanding its banking footprint from 8 to 13 states. The transaction brought several regional banking brands into UMB, including Arizona Bank & Trust, Citywide Banks, and Bank of Blue Valley. On October 16, 2025, UMB completed the systems and brand conversion, integrating the former Heartland banks under the UMB name.

Expansion in Utah

UMB established a presence in Utah through commercial banking before developing its retail branch network. Its operations expanded to include commercial lending, treasury management, fund services, and corporate trust services, supporting businesses and institutional clients in the state.

In January 2026, UMB opened its first Utah full-service retail branch at 911 E. Fort Union Boulevard in Midvale. The bank also operates commercial banking centers in Midvale and Salt Lake City. Its Utah presence now combines consumer banking with commercial and institutional financial services, although its retail branch network remains limited to Midvale.

UMB Bank Products and Services

UMB Bank provides personal, business, and commercial financial services, including deposit accounts, lending, digital banking, and wealth management.

• Checking Accounts: Personal checking options with different balance requirements, fees, and account features.
• Savings Accounts: Traditional savings and money market accounts for different savings needs.
• Certificates of Deposit: Fixed-term deposit accounts with standard and jumbo options.
• Credit Cards: Consumer credit cards offering cash-back rewards, travel rewards, and other benefits.
• Loans: Personal loans, auto loans, and additional consumer financing options.
• Mortgages and Home Equity: Home purchase loans, refinancing, home equity loans, and home equity lines of credit.
• Business Banking: Business checking, savings, credit cards, and commercial lending.
• Treasury Management: Cash flow management, ACH payments, wire transfers, remote deposits, and fraud prevention services.
• Digital Banking: Online and mobile banking for account management, transfers, payments, and deposits.
• Wealth Management: Financial planning, investment management, retirement planning, and private banking services.

umb.com | UMB Bank personal products

Checking Accounts at UMB Bank

UMB Bank offers four personal checking accounts with different opening deposits, monthly fees, and account features. All accounts include a Visa debit card, online and mobile banking, mobile check deposit, and access to UMB ATMs without withdrawal fees. The bank accepts online applications from eligible Utah residents.

UMB Select Checking

UMB Select Checking is an interest-bearing account with additional banking benefits and loan discounts.

• Minimum Opening Deposit: $1,000
• Monthly Maintenance Fee: $20
• Fee Waiver: Maintain a $5,000 average collected balance, $10,000 in combined deposit balances, or $25,000 in combined deposit and loan balances.
• Key Features: Earns interest, offers check-order discounts, and includes certain loan rate and fee benefits.

UMB Value Checking

UMB Value Checking is an everyday checking account with multiple ways to avoid its monthly fee.

• Minimum Opening Deposit: $100
• Monthly Maintenance Fee: $8
• Fee Waiver: Maintain a $1,500 average collected balance, $3,000 in combined deposit balances, or receive a single direct deposit of at least $250 per monthly service charge cycle.
• Key Features: Unlimited deposits and withdrawals, discounted check orders, and three monthly non-UMB ATM withdrawals without a UMB fee.

UMB Free Checking

UMB Free Checking provides basic checking services without a monthly maintenance fee.

• Minimum Opening Deposit: $10
• Monthly Maintenance Fee: $0
• Fee Waiver: Not required.
• Key Features: Unlimited deposits and withdrawals, paper statements included, and traditional check-writing capabilities.

UMB Check-Free Banking

UMB Check-Free Banking is designed for customers who prefer debit card transactions instead of paper checks.

• Minimum Opening Deposit: $10
• Monthly Maintenance Fee: $5
• Fee Waiver: Not offered.
• Key Features: No check-writing or online bill payment capabilities, no overdraft charges, and four money orders per service charge cycle without a fee. Paper statements cost $2 per month.

Savings Accounts at UMB Bank

UMB Bank offers four personal savings and money market accounts, including options for children and customers maintaining larger balances. All accounts earn interest and include online banking, mobile check deposit, automatic transfers, and account alerts.

UMB Savings

UMB Savings is a traditional interest-bearing savings account with a low opening deposit and an option to avoid the monthly fee.

• Minimum Opening Deposit: $100
• Monthly Maintenance Fee: $3
• Fee Waiver: Maintain a $100 minimum daily ledger balance.
• Key Features: Earns interest on deposits and supports automatic savings transfers.

UMB Youth Savings

UMB Youth Savings is designed for children, with accounts opened by a parent or guardian in the child’s name.

• Minimum Opening Deposit: $25
• Monthly Maintenance Fee: $0
• Fee Waiver: Not required.
• Key Features: Interest-bearing account designed to help children develop savings habits. Available through UMB branches.

UMB Retail Money Market

UMB Retail Money Market combines interest-bearing savings with additional ways to access deposited funds.

• Minimum Opening Deposit: $100
• Monthly Maintenance Fee: $10
• Fee Waiver: Maintain a $1,000 average collected balance.
• Key Features: Tiered interest rates, check-writing privileges, and debit card access.

UMB Premium Savings

UMB Premium Savings is an interest-bearing account designed for customers who maintain larger savings balances.

• Minimum Opening Deposit: $25,000
• Monthly Maintenance Fee: $15
• Fee Waiver: Maintain a $25,000 minimum daily ledger balance.
• Key Features: Tiered interest rates and savings features for larger balances.

Certificates of Deposit at UMB Bank

UMB Bank offers Time Deposit Accounts, commonly known as certificates of deposit (CDs), with fixed interest rates and terms ranging from 3 to 72 months. The bank provides standard and jumbo CDs, with different opening deposit requirements. Eligible Utah residents can open standard CDs online, while jumbo deposits require a branch visit.

UMB Standard Time Deposit

UMB Standard Time Deposits allow customers to earn a fixed interest rate over a selected term.

• Available Terms: 3, 6, 9, 12, 24, 36, 48, 60, and 72 months.
• Minimum Opening Deposit: $500
• Monthly Maintenance Fee: No recurring monthly maintenance fee listed.
• Key Features: Fixed interest rate, automatic renewal option, and potential use as collateral for a consumer loan, subject to credit approval.
• Early Withdrawal: Penalties apply when funds are withdrawn before maturity.

UMB Jumbo Time Deposit

UMB Jumbo Time Deposits are designed for customers depositing $100,000 or more.

• Available Terms: 3, 6, 9, 12, 24, 36, 48, 60, and 72 months.
• Minimum Opening Deposit: $100,000
• Monthly Maintenance Fee: No recurring monthly maintenance fee listed.
• Key Features: Fixed interest rate, automatic renewal option, and in-branch account opening.
• Early Withdrawal: Penalties apply when funds are withdrawn before maturity.

IRA Eligibility: UMB’s advertised standard and jumbo Time Deposit Accounts are not available for individual retirement accounts. A separate IRA CD product was not verified.

Credit Cards at UMB Bank

umb.com | UMB Bank’s personal credit card webpage featuring the Simply Rewards, Travel Select, and Direct Cash Visa Signature credit cards.

UMB Bank offers four personal credit cards, including rewards cards and a secured credit card for building credit. The cards are issued by UMB Bank, National Association, under license from Visa. Common features include online account management, digital wallet compatibility, and Visa security protections.

UMB Simply Rewards Visa Credit Card

Best for: Everyday purchases such as groceries, gas, and dining.

• Annual Fee: $0
• Rewards: 3 points per $1 at gas stations, grocery stores, discount stores, restaurants, and fast-food establishments; 1 point per $1 on other purchases.
• Key Features: Everyday spending rewards, flexible point redemption, and Visa benefits.

UMB Travel Select Visa Credit Card

Best for: Customers who regularly spend on travel-related purchases.

• Annual Fee: $0
• Rewards: 3 points per $1 on qualifying airfare, hotels, resorts, cruises, car rentals, and tour buses; 1 point per $1 on other purchases.
• Key Features: Travel-focused rewards, no foreign transaction fees, and Visa travel benefits.

UMB Direct Cash Visa Credit Card

Best for: Customers who prefer consistent rewards across different spending categories.

• Annual Fee: $0
• Rewards: 1.5 points per $1 on eligible purchases, redeemable for cash.
• Key Features: Cash redemption through statement credits or deposits into eligible checking and savings accounts.

UMB Secured Visa Credit Card

Best for: Customers establishing or rebuilding their credit history.

• Annual Fee: Refer to current secured card disclosures.
• Rewards: No rewards program advertised.
• Key Features: Requires a security deposit equal to the credit limit and is available through UMB branches. Responsible account management can help establish payment history.

Loans

umb.com | UMB Bank offers personal loans, auto financing, mortgages, and home equity lending options.

UMB Bank offers consumer loans for personal expenses, vehicle purchases, and recreational vehicle financing. Loan approval, available terms, and fees depend on the applicant’s creditworthiness and the type of financing.

Personal Loans

UMB offers unsecured personal loans for eligible existing customers who need financing for debt consolidation, unexpected expenses, or major purchases.

• Loan Amounts: $2,000–$25,000
• Collateral: Not required for qualifying unsecured loans.
• Eligibility: Must be an existing UMB deposit customer and at least 18 years old.
• Key Features: Fixed repayment installments and online loan management.

Auto Loans

UMB provides financing for new and used vehicles, including purchases from dealerships and private sellers.

• Loan Types: New and used vehicle purchases and refinancing.
• Refinancing: Minimum loan amount of $7,500; existing UMB auto loans are not eligible.
• Origination Fee: $250 may apply, depending on the customer’s UMB checking account relationship.
• Key Features: Online applications, fixed-rate financing, and repayment terms based on the vehicle and credit approval.

Recreational Vehicle Loans

UMB offers financing for recreational vehicles and other eligible personal-use vehicles.

• Eligible Vehicles: Motorcycles, boats, motor homes, recreational vehicles (RVs), and ATVs.
• Collateral: Generally secured by the financed vehicle.
• Key Features: Financing options depend on vehicle type, age, and the applicant’s qualifications.

Mortgages and Home Loans

UMB Bank offers mortgage financing for home purchases, refinancing, and borrowing against existing home equity. Its lending options include conventional mortgages, government-backed loans, jumbo mortgages, and home equity financing. Loan availability in Utah depends on the specific program, property, and borrower qualifications.

Conventional Mortgages

UMB offers conventional home loans with fixed and adjustable interest rates.

• Loan Options: Fixed-rate and adjustable-rate mortgages (ARMs).
• Down Payment: As low as 3% for qualifying borrowers.
• Key Features: Financing for primary residences and other eligible properties, subject to underwriting requirements.

Government-Backed Mortgages

UMB advertises several government-supported mortgage programs.

• FHA Loans: Government-insured mortgages with flexible qualification requirements.
• VA Loans: Financing for eligible military service members, veterans, and qualifying surviving spouses.
• USDA Loans: Financing for qualifying borrowers purchasing eligible rural properties.
• Key Features: Program-specific down payment, income, property, and eligibility requirements.

Jumbo Mortgages

UMB offers jumbo mortgages for home purchases exceeding conventional conforming loan limits.

• Loan Purpose: Financing higher-value residential properties.
• Key Features: Larger loan amounts with credit, income, asset, and down payment requirements determined through underwriting.

Mortgage Refinancing

UMB provides refinancing options for homeowners seeking to replace an existing mortgage.

• Loan Options: Fixed-rate and adjustable-rate refinancing.
• Key Features: Potential to change loan terms, adjust monthly payments, or access equity through eligible refinancing programs.

Home Equity Loans

UMB offers fixed-rate home equity loans secured by an existing residential property.

• Loan Structure: One-time lump-sum financing.
• Repayment: Fixed monthly principal and interest payments.
• Key Features: Can be used for home improvements, major purchases, and debt consolidation.

Home Equity Lines of Credit (HELOCs)

UMB offers revolving credit lines secured by residential home equity.

• Draw Period: 10 years.
• Repayment Period: 20 years.
• Annual Fee: $0.
• Key Features: Flexible borrowing, variable interest rates, and an option for qualifying customers to convert portions of their balance to fixed-rate repayment.
• Origination Fee: May be waived for qualifying UMB checking account holders.

UMB also advertises construction financing through its private banking services, rather than as a standard retail mortgage product. Individual mortgage and home equity programs may have geographic restrictions.

Business Checking Accounts at UMB Bank

UMB Bank offers three business checking accounts designed for small and medium-sized businesses with different transaction volumes and cash management needs. All accounts include online banking and access to business payment services, with additional features available depending on the account.

UMB Essential Business Checking

UMB Essential Business Checking is designed for businesses with relatively low transaction volumes and basic account management needs.

• Minimum Opening Deposit: $25
• Monthly Maintenance Fee: $10
• Fee Waiver: Maintain a $500 average collected balance or $1,500 in combined qualifying deposit balances.
• Transaction Allowance: 100 transactions per monthly cycle; $0.40 for each additional transaction.
• Cash Deposit Allowance: $5,000 in coin and currency deposits per monthly cycle.
• Key Features: Online bill payment, mobile check deposit, and check imaging.

UMB Advantage Business Checking

UMB Advantage Business Checking accommodates businesses with higher transaction volumes and cash deposit needs.

• Minimum Opening Deposit: $25
• Monthly Maintenance Fee: $25
• Fee Waiver: Maintain a $10,000 average collected balance or $15,000 in combined qualifying Advantage Business Checking balances.
• Transaction Allowance: 200 transactions per monthly cycle; $0.40 for each additional transaction.
• Cash Deposit Allowance: $10,000 in coin and currency deposits per monthly cycle.
• Key Features: Higher included transaction and deposit allowances, with optional QuickBooks access.

UMB Premier Business Checking

UMB Premier Business Checking includes additional treasury and online banking features for businesses managing more complex financial activity.

• Minimum Opening Deposit: $100
• Monthly Maintenance Fee: $55
• Fee Waiver: Maintain a $25,000 average collected balance or $40,000 in combined qualifying Premier Business Checking and Business Money Market balances.
• Transaction Allowance: 300 transactions per monthly cycle; $0.40 for each additional transaction.
• Cash Deposit Allowance: $15,000 in coin and currency deposits per monthly cycle.
• Key Features: QuickBooks access, Premier Business Online Banking, desktop remote deposit, and three incoming and three outgoing domestic wires per cycle.

UMB Bank also offers business money market accounts, certificates of deposit, business credit cards, loans and lines of credit, SBA financing, commercial real estate lending, and equipment financing. Additional services include merchant payment processing, ACH and wire transfers, remote deposits, treasury management, and commercial online banking. Larger businesses can access separate commercial checking accounts, including Commercial Checking, Commercial Performance Checking, and Solutions Commercial Checking.

umb.com | UMB Bank provides business checking, commercial lending, treasury management, and payment services.

Conclusion

UMB Bank has grown from a Kansas City institution founded in 1913 into a regional banking organization operating under UMB Financial Corporation. Its acquisition of Heartland Financial USA in 2025 expanded its banking footprint and strengthened its presence across multiple U.S. markets. In Utah, UMB combines commercial banking operations in Salt Lake City and Midvale with a full-service retail branch in Midvale, which opened in January 2026.

The bank offers checking and savings accounts, certificates of deposit, credit cards, personal loans, mortgages, and home equity financing. Its business services include deposit accounts, commercial lending, treasury management, and payment solutions. UMB’s combination of personal, business, and institutional financial services reflects its broader regional banking model and developing presence in Utah.

Related Banks

COMPARING OPTIONS?

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by UMB Bank. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The logo is a registered trademark of UMB Financial Corporation.