Our Solutions

Complete Benefit Spending Accounts Solutions

For you and your employees from a single trusted source


Seamless Administration

UMB provides the seamless administration and support you need to bring your benefit strategy to life.


Smart tools

You will have access to flexible enrollment options and insightful data analytics tools.


Engaged Employees

Attract and retain employees by providing our financial wellness tools that helps your employees plan, save, and pay for their health care, dependent, and commuter expenses.


Health Savings Accounts (HSAs)

An HSA is a smart tool that can help your employees prepare for future healthcare expenses and manage day-to-day medical costs. Some people use their HSAs to pay healthcare bills as they come in, while others prefer to save for future needs. Because funds in an HSA never expire, your employees have an opportunity to build their balance over time.

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Flexible Spending Accounts (FSAs)

An FSA is a great tool to help employees set aside money, pre-tax, for healthcare and dependent expenses, while also allowing the employer to avoid payroll taxes (7.65% for Medicare and Social Security) on employee and employer contributions. Medical and Limited Purpose FSA dollars are available to employees immediately which helps with unexpected medical expenses.

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Health Reimbursement Arrangements (HRAs)

An HRA is an employer-funded, tax advantaged health benefit used to reimburse employees for out-of-pocket medical expenses and personal health insurance premiums. Through HRAs, employers reimburse employees directly only after the employees incur approved medical expenses. This feature is especially helpful for businesses that want to retain control over their cash flow.

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Commuter Benefits

Commuter Benefits is an employer-provided voluntary benefits program that allows employees to reduce their monthly commuting expenses for transit, vanpooling and work-related parking costs. Employers can offer commuter benefits as pre-tax only or also include post-tax.

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COBRA - Continuation of Health Coverage

UMB’s COBRA solution provides an efficient cloud-based solution for employers of all sizes and complexity, delivering flexibility in scale, configurable reporting, and a highly intuitive user experience.

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With UMB, your employee HSA and benefit spending accounts program will be made easy, effective, and hassle-free.

  • Simplified claims experience that keeps accountholders informed in real time via texts and emails.
  • A business portal that offers easy and secure access to real-time account information, along with reporting and data analytics tools.
  • A dedicated U.S.-based customer service center to help your employees get the information they need quickly and easily, including options for email and chat support.
  • Decision support tools and educational support that drives employee adoption and engagement.

Connect with UMB Healthcare Services sales representative today

About UMB Healthcare Services

Learn more about UMB Healthcare Services and how we deliver healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.


Brian Hutchin

Executive Vice President/Director, Healthcare Services

1010 Grand Blvd., Kansas City, Mo. 64106

(816) 860-1937


Benefit spending accounts are NOT deposits or obligations of UMB Bank, N.A. and are NOT insured by the FDIC.

All mention of taxes is made in reference to federal tax law. Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice.