Estate planning at HTLF Bank

UMB Financial Corporation completed its acquisition of HTLF (Heartland Financial USA, Inc.) on January 31, 2025. All former HTLF subsidiary bank brands (Dubuque Bank & Trust, Illinois Bank & Trust, Wisconsin Bank & Trust, Citywide Banks, Rocky Mountain Bank, Arizona Bank & Trust, Bank of Blue Valley, Minnesota Bank & Trust, First Bank & Trust, New Mexico Bank & Trust, and Premier Valley Bank) completed their systems and brand conversion to UMB Bank in October 2025. Your accounts, beneficiary designations, and POD settings transferred to UMB Bank. You can now access your accounts through UMB Online Banking at umb.com or visit any UMB Bank branch.

Yes. A trust can be named as a POD beneficiary on UMB Bank deposit accounts including checking, savings, money market, and time deposit (CD) accounts. Visit your local branch with trust documentation to complete the designation, as trust beneficiary setups typically require in-person or assisted processing to ensure proper documentation.

Yes. UMB Bank supports both revocable and irrevocable trust accounts for checking, savings, money market, and time deposit (CD) accounts. Visit a local branch with your Certification of Trust (or full trust agreement), trustee identification, and the trust tax ID number. Existing personal accounts can be converted to trust ownership with proper documentation. IRA accounts cannot be retitled to a trust. UMB also offers trust management services through UMB Trust Company of South Dakota.

You need a Certification of Trust (also called a Trust Abstract or Affidavit of Trust) or the full trust agreement with relevant pages including trust name, grantor and trustee information, trustee powers, and signature pages. You also need government-issued photo identification for all trustees and the trust tax identification number (EIN) or trustee Social Security number for revocable trusts.

Yes. A trust can be named as beneficiary on a Traditional IRA or Roth IRA at UMB Bank. However, IRAs cannot be retitled to a trust. Contact your local branch or call 1-800-821-5184 to complete the IRA beneficiary designation form naming your trust as primary or contingent beneficiary. UMB also offers an Individual Retirement Trust product that combines the benefits of an IRA with the control and security of a trust.

Yes. UMB Bank, n.a. is FDIC insured (FDIC Certificate #8273). POD beneficiary designations provide separate FDIC insurance coverage of up to $250,000 per qualifying beneficiary. Trust accounts are also FDIC insured up to the maximum allowed by law based on the number of qualifying beneficiaries named in the trust.

Following the October 2025 brand conversion, former HTLF division phone numbers may redirect to UMB Bank customer service. For all account inquiries, call UMB Bank at 1-800-821-5184 or visit any UMB Bank branch. UMB customer service is available Monday through Friday from 7:00 AM to 8:00 PM CT and Saturday from 8:00 AM to 5:00 PM CT.