FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Boost your financial know-how

Explore educational playlists to help you build and secure your financial future

Learn more
Loans Mortgage Home Loans

UMB

THE HOME OF HOME MORTGAGES.

Purchasing a home is an exciting event, and UMB can help make the experience go smoothly.

UMB Mortgage Solutions
HELOC or second mortgage

Home Equity Line of Credit

Introductory rate as low as 5.99% APR¹ for 12 months*

*After 12 months variable 7.99% - 10.75% APR applies.

Apply for a HELOC

UMB Checking Accounts - Open An Account Online Today

UMB Select Checking®

  • $1,000 minimum opening deposit
  • Fee waivers and special loan rate discounts
  • Earn interest on your account balance
Learn More

Count on more.®

Recalibrate your income and expenses

How to Bank with Us

Access your accounts online or through our app so you can bank from your couch or even the dentist office.

Learn More
  • money market account

    Maximize your savings: Is a money market account right for you?

    Living expenses continue to increase, which is why it’s essential to understand how to help your money work harder for you and what accounts to consider for your financial situation. Now is the time to make saving your money a...

    Read Now
  • One Big Beautiful Bill high earners

    One Big Beautiful Bill: Overview and significance for high-earners

    After much anticipation, Congress passed ‡ legislation known as the One Big Beautiful Bill ( OBBB ‡), which President Trump signed it into law. Many of the bill’s key provisions will take effect as of January 1, 2026. While there...

    Read Now
  • two incomes

    Transitioning from two household incomes to one

    Life is full of twists and turns, making it impossible to always know what will happen next—especially when it comes to finances. Whether it’s a member of your household staying home to care for kids or older family members, unexpected...

    Read Now
  • Spending Smile retirement spending

    What is the ‘spending smile’ retirement strategy?

    There are several different spending strategies you can use when you reach retirement. Some include lump sum payments others include a steady stream of distributions and then there is the spending smile approach. What is the spending smile in retirement...

    Read Now
  • credit score

    Tips for building and improving your credit

    It can be hard to build your credit, especially if you are starting from scratch. For most of life’s milestones, such as buying a car or a house, you will need a credit history to make the purchase. Unfortunately, if...

    Read Now
UMB Simply Rewards Credit Card

15,000 Bonus Points

And a low introductory APR.
UMB Simply Rewards Visa Credit Card

Learn More

Find an ATM or branch

  • Home