Notice to UMB Cardholders Click here if you recently received a replacement card as a result of a potential compromise.

Online Banking

Pay your bills online. It saves time and money. Learn More!

Security and Privacy

Protect yourself with these safety tips.
Learn More.

Apply for an Account

Customer Service


Fixed-Rate Mortgages

A fixed-rate mortgage means the interest rate and principal payments remain the same for the entire life of the loan. (Taxes, of course, may change.) UMB offers a variety of fixed-rate mortgage terms, whether you prefer to pay less interest with a shorter term or make smaller payments each month with a long-term loan.

Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) means that the interest rate changes over the life of the loan — according to the terms specified in advance. UMB offers ARMs for customers who need to borrow more money at a lower interest rate than a fixed-rate loan provides. This option is particularly beneficial if you want a lower payment now, but are expecting to experience any of the following:
• Move prior to the term when the rate is adjusted,
• Expect your salary to increase in the future, or
• Intend to refinance after the initial term.

To discuss your mortgage options with a representative, call 1-800-860-4862. 

Apply Now