UMB Private Bank

Get started on the next step of your financial journey.

We can handle your day-to-day banking needs and offer custom lending solutions, so you can spend your time focusing on what matters more to you.

UMB Private Bank

Get started on the next step of your financial journey.

We can handle your day-to-day banking needs and offer custom lending solutions, so you can spend your time focusing on what matters more to you.

 

Tailored solutions

At UMB Private Bank, we are dedicated to your story, so you’ll receive personal attention and comprehensive financial solutions that align with your life and lifestyle.

Real conversations

You deserve genuine support with a private banker who’s ready to roll up their sleeves for you. We are here with you step-by-step to plan, brainstorm and manage your specific financial needs.

Unparalleled access

Our advisory approach is collaborative, which means as your needs evolve we continually work to help you reach your goals. Having a responsive partner that you can count on is essential to achieving success.

Schedule your one-on-one financial review with a private banker today.

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What you can expect

  • Comprehensive consultation and financial reviews
  • Expedited processing for all service requests
  • Exclusive checking and savings accounts1
  • Solutions for professionals and small business owners
  • Waived or discounted fees for services, such as checks, money orders and notary services
  • A multi-faceted and experienced team ready to work for your goals

Custom home lending solutions4 | Offered exclusively to our Private Banking clients

Mortgage solutions

You need a mortgage solution that does more for you. We have the flexibility to structure a mortgage built for your unique needs, with a full suite of home lending solutions.

Home equity line of credit (HELOC)

Our competitive HELOC is a savvy choice that allows you to access funds you need when you need them to finance major expenses or remodel a home. Ask your advisor about the fixed rate option, which allows you to lock in an interest rate on all or part of your balance.

Construction loan

If you plan to build a primary or secondary residence, we offer a tailored construction loan with project and budget management, a convenient construction checking account, and regular inspections to ensure the project is progressing.

Bridge loan

Our temporary bridge loan can meet the needs of those purchasing new homes while the former home is still on the market. This financing option is a unique way to ensure a smooth transition to your new house using a term loan.

Securities-based lending solutions4 | Offered exclusively to our Private Bank clients

A secured line of credit or term loan can be a smart way to use your eligible securities—like stocks, bonds and mutual funds—as collateral to obtain the funds you need today. Your private banker can help assess the risks and benefits based on your needs. This unique lending vehicle allows you to maintain your investment portfolio while meeting day-to-day cash flow demands or planning for a future expense.

  • Consolidating debt
  • Covering unexpected expenses
  • Investing in an opportunity
  • Real estate renovations
  • Estate and tax expense planning
  • Business expenses
  • Education or legacy contributions
  • Luxury purchases

UMB Private Bank Visa® Signature Preferred credit card2

UMB Private Bank Signature Preferred Card

UMB Private Bank clients may be eligible for the UMB Visa Signature Preferred credit card.

We designed this card with your lifestyle in mind, including features that emphasize simplicity and security, and service that aims to meet your unique needs.

We know you're busy, so our rewards program is hassle-free – with no points, no expirations, and no tasks to distract you from your daily life. Your cash rewards are redeemed at the end of every quarter with no spending caps and no reward limits—simple, easy and automatic. Plus, this card allows you to earn up to 2% cash back3 on your net purchases which automatically appear as an account credit each quarter.

Contact your UMB Private Banker for more information at 800.862.6670.

Learn More

How to use a Home Equity Line of Credit

As you settle into your new house, the list of projects and improvements to make it "home" can become lengthy and costly. After you determine what needs doing, a home equity line of credit (HELOC) can help you finance your home project plans.

How to use a HELOC

The skinny on jumbo mortgages

The skinny on jumbo mortgages

Chances are you’ll need a “jumbo mortgage” if you’re looking to buy a house in a city where home prices are above the national average. Learn more about what you should consider when taking out this type of loan.

Custom portfolio construction and management

We deliver a full-service experience with a dedicated wealth advisor team providing customized investment guidance based on your goals.

Learn more

Financial planning

Access innovative technology to evaluate your personal situation, understand your goals and create a blueprint that meets your financial objectives.

Find out more
  1. UMB Bank checking and savings accounts are FDIC-insured to the standard maximum deposit insurance amount.
  2. Customers that do not qualify for the Private Banking Visa® Signature Card will automatically be considered for the Private Banking Visa® Platinum Card that earns 1% cash back on all net purchases. The following transactions are excluded from "purchases" and do not earn cash back rewards: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. See your Private Banking Visa® Card Rewards Rules and Guide to Benefits that accompany your card for details.
  3. You will earn 1.35% cash back rewards when you spend up to $4,999.99 in Net Purchases in any statement cycle. But if your monthly Net Purchases with the Card are between $5,000 and $9,999.99, you will earn 1.50% cash back rewards on all Net Purchases during that monthly cycle. And if your Net Purchases are $10,000 or more in a statement cycle, you will earn 2.00% cash back rewards for all Net Purchases with the Card that month. Cash back is awarded as a statement credit.
    Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2020 UMB Bank and Visa.
    Offers subject to change without notice.
  4. All loans are subject to approval.