Investor Banking Services

Bank products and services for your institution

A proven provider of large-scale banking services and insured deposit account solutions for non-bank financial institutions and fintech companies.

Investor Banking Services

Bank products and services for your institution

A proven provider of large-scale banking services and insured deposit account solutions for non-bank financial institutions and fintech companies.

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.

  • Investor checkwriting
  • Fraud monitoring
  • Online banking and bill pay
  • Wire transfer and ACH services
  • Remote deposit capture
  • Check clearing/positive pay
  • Lockbox services
  • NSCC/AIP settlement
  • Overnight investment management
  • Personalized file transmissions
  • Specialty banking services
  • HELOC servicing

FDIC sweep program

Our proprietary technology, supported by a dedicated team and resources, offers both financial intermediaries and banks the flexibility to develop and tailor a FDIC sweep program to meet your needs. With UMB, you benefit from a scalable platform that is designed with operational efficiency in mind.

For financial intermediaries:
With the UMB platform, financial intermediaries can offer their clients a liquid alternative to money market funds with expanded FDIC insurance coverage by automatically sweeping uninvested cash balances into interest-bearing accounts.

For banks:
Our easy-to-manage program provides community and regional banks and G-SIB's with a cost-effective and stable source of uncollateralized wholesale funding in amounts ranging between $5 million and several billion.

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 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.

We process transactions for 50% of the Top 10 independent broker-dealers.

Source: Financial Planning, December 2018

We process transactions for 60 of the top broker-dealers.

Source: Investopedia, October 2018

3 of the Top 10 mutual fund companies are UMB Investor Solutions clients.

Source: Mutual Fund Directory, December 2018

A full-service partner

We have services that cover a broad range of operational needs, including healthcare services for institutions and employers.

Find out more about our HSA solutions

Open banking

Achieve rapid growth through a full suite of banking APIs that help you flourish.

Learn more about UMB’s open banking

Institutional Banking

UMB Institutional Banking combines all our institutionally focused capabilities into one cohesive unit. We provide solutions for the entire institutional marketplace.

Discover why UMB for your institution