Private Banking and Lending

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.

Private Banking and Lending

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

With UMB, 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 an open-minded 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.

Contact a UMB Private Banker to learn more.

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What you can expect

  • Comprehensive consultation and financial reviews
  • Expedited processing for all service requests
  • Premium checking and savings accounts1
  • Solutions for professionals and small business owners
  • No charge for convenience products, such as checks, money orders and notary services
  • A multi-faceted and experienced team ready to work for your goals

Custom credit management solutions | Offered exclusively to our Private Banking clients

As you move through the challenges and changes in life, your financial needs similarly ebb and flow. Whether you plan to build your home from the ground up with a construction loan, or would like financing for your next large purchase, UMB's credit solutions suite can help.

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.

Mortgage lending

Our flexible, in-house loans feature no escrowing, no origination fees2 and ongoing, personal service. We offer fixed conventional and jumbo mortgages, as well as adjustable rate mortgages.

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.

Marketable securities line of credit or term loan

A secured line of credit or term loan can be a smart way to use your eligible securities as collateral to obtain the funds you need today. Your private banker can assess the risks and benefits based on your needs, whether it's for investing in a business opportunity, consolidating other debt or simply to cover unexpected expenses.

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.

All loans are subject to approval.

Financial planning is a marathon, not a sprint

Much like running a marathon is different than a sprint, planning long-term financial goals is different than simply paying your bills every month.

Private Banking running to the finish.

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. Read 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

Subject to credit and collateral approval. Restrictions and limitations apply.

  1. UMB Bank checking and savings accounts are FDIC-insured to the standard maximum deposit insurance amount.
  2. Origination fees are often quoted as a percentage of the total loan, and generally average between 0.5% and 1% on mortgage loans in the United States.
  3. 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.
  4. 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.