Institutional & Fintech Banking Services
A full-service banking partner for your financial institution or fintech
UMB is a proven provider of integrated banking solutions, insured deposit accounts and Banking as a Service serving non-bank financial institutions and fintechs.
Breadth of product
We offer a broad range of tailorable capabilities that provide seamless integration and expansion to meet the evolving needs of your clients.
Tailored relationship model
Our dedicated relationship managers provide a client experience that’s focused on one-on-one attention, custom forecasting, modular feature selection and responsive communication.
Stability and dedication
This is not a sideline business for us. It’s a discipline with a 40-year track record of getting the job done.
Our integrated banking solutions meet the diverse needs of financial institutions and fintech companies. UMB’s full suite of services positions us to accommodate your needs today and evolve with you as your company grows. Our programs are designed to fit your needs, so you can select services that make the most sense for your business.
Schedule a consultation with a UMB team member
SOLUTIONS BY INDUSTRY
Our approach to white-label banking services centers on customization. With decades of experience and partnerships with some of the industry’s largest participants, UMB delivers a consultative expertise to asset managers, supporting you with customized services to meet your firm’s needs.
Services:
- ACH services
- Lockbox services
- NSCC/AIP settlement
- Overnight investment management
- Passive custody
- Payment fraud detection
- Tailored data delivery
- Wire transfer
The UMB FDIC Sweep Program provides banks with a cost-effective source of uncollateralized, wholesale funding in amounts from $5 million to billions of dollars. The funding comes from uninvested cash balances held in financial intermediary sweep accounts. Pricing is based on a set spread over a daily benchmark index like the Fed Funds Effective Rate, so you can make loan and investment decisions based on the short end of the yield curve.
UMB provides broker-dealers a single point of content service model for all your white-label banking needs. With deep industry expertise, and partnerships with many of the industry’s largest participants, our team brings a consultative expertise to customizing the suite of services that best meet the unique needs of your clients.
Services
- ACH services
- Banking as a Service (BaaS)
- Check clearing/positive pay
- Insured FDIC Sweep deposit solutions
- Lockbox services
- NSCC/AIP settlement
- Online banking and bill pay
- Overnight investment management
- Payment fraud detection
- Remote/mobile deposit capture
- Tailored data delivery
- White labeled credit and debit card
- Wire transfer
UMB partners with some of the most recognized names in the fintech space as they navigate the complexities of bank regulation and compliance. We support fintech companies in taking their vision to the next level.
BaaS services, plus our insured deposit account program, allow you to provide your clients high-yield savings and other FDIC-insured products, all without leaving your platform.
Services:
Our approach to white-label banking services centers on customization. With decades of experience and partnerships with some of the industry’s largest participants, UMB delivers a consultative expertise to fund administrators, supporting you with white-label banking services, customized to meet your firm’s needs.
Services:
- ACH services
- Lockbox services
- NSCC/AIP settlement
- Overnight investment management
- Payment fraud detection
- Passive Custody
- Tailored data delivery
- Wire transfer
UMB provides you a single point of content service model for all your white-labeled banking needs. With deep industry expertise, and partnerships with many of the industry’s largest participants, our team brings a consultative expertise to customizing the suite of services that best meet the unique needs of your clients.
Services:
- ACH services
- Banking as a Service (BaaS)
- Check clearing/positive pay
- Insured FDIC Sweep deposit solutions
- Lockbox services
- NSCC/AIP settlement
- Online banking and bill pay
- Overnight investment management
- Payment fraud detection
- Remote/mobile deposit capture
- Tailored data delivery
- White labeled credit and debit card
- Wire transfer
Open Banking
Achieve rapid growth through a full suite of banking APIs that help you flourish.
FDIC Sweep Program
An insured deposit program tailored to meet your needs.
Co-branded credit cards
UMB's agent bank consumer and business card programs can help your organization grow revenue streams without incurring investments in systems, capital and human resources, while limiting the risk to your institution and easing your regulatory burden. With our portfolio acquisition experience, we can also guide your organization to enhance and grow existing card program.
HELOC payment servicing
Our solutions pair HELOC servicing firms with a complimentary suite of products and services to effectively support the borrower servicing model—from flexible and convenient ways to access the HELOC to payment collection. We offer custom branded HELOC cards through the VISA® card network and in-bound ACH receipt.
Investor account management platform
UMB's investor banking platform is a customizable dashboard to suit your firm's reporting and operational requirements, equipped with premium features that help you streamline and expedite transactions and account servicing.
- Built-in client support workflows
- Exception handling
- Settlement reporting
- Real-time data access
- Simplified data reporting
We met with clients just like you to determine the data and functionality you need the most for maximum efficiency. Your support team can:
- Access up to 7 years of transaction history
- Search and download investor demographics into multiple formats
- Flag and track transactions
- Adjust and confirm balances
- Submit a customer service request
If you do not operate or manage investor-facing websites, your UMB Investor Solutions team can give you access to our investor-facing online account management platform, Investor Online Direct. Your firm can private-label this interface to seamlessly integrate with your other offerings.
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A Full-service Partner
We have services that cover a broad range of operational needs, including healthcare services for institutions and employers.
Institutional Banking
UMB Institutional Banking combines all our institutionally focused capabilities into one cohesive unit. We provide solutions for the entire institutional marketplace.
