Estate planning at New Mexico Bank & Trust
How to protect 12 New Mexico Bank & Trust accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through New Mexico Bank & Trust's UMB Private Wealth Management — Trust and Estate Planning
Brand change
The New Mexico Bank & Trust brand no longer exists. UMB Financial Corporation completed its acquisition of Heartland Financial USA (HTLF) on January 31, 2025, and announced on October 16, 2025 that the systems and brand conversion was finished — all former HTLF divisional banks, including New Mexico Bank & Trust, now operate as UMB Bank, N.A. The nmb-t.com website is dead and there is no New Mexico Bank & Trust phone number to call. Deposit accounts, CDs, IRAs, and POD designations are administered by UMB Bank: call UMB at 800-699-8702, or visit a New Mexico UMB branch. Trust and estate matters go to UMB Private Wealth Management — the Albuquerque Private Wealth Management Center at 320 Gold Ave SW, Suite 200 (800-545-6101), or UMB's trust and estate line at 800-862-6670. Effective October 2025.
New Mexico Bank & Trust is now part of UMB Bank. The procedures below reflect New Mexico Bank & Trust's accounts during the transition. View the UMB Bank estate planning page.
UMB Bank Customer Service (successor to New Mexico Bank & Trust)
UMB Bank, Albuquerque Main Branch, 320 Gold SW, Albuquerque, NM 87102
UMB Private Wealth Management — Trust and Estate Planning
UMB Bank, Albuquerque Private Wealth Management Center, 320 Gold Ave SW, Suite 200, Albuquerque, NM 87102
UMB Bank Customer Service (no separate deceased-account claims department is published)
UMB Bank, Albuquerque Main Branch, 320 Gold SW, Albuquerque, NM 87102
How your New Mexico Bank & Trust accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 10 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Beneficiary designations at New Mexico Bank & Trust can be managed in branch and by phone, typically taking 15-30 minutes at a branch.. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
New Mexico Bank & Trust has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 12 account types at New Mexico Bank & Trust.
View details →When someone dies
Death claim process
Contact New Mexico Bank & Trust's UMB Private Wealth Management — Trust and Estate Planning to file a claim. 9-step process, 6 required documents, and contact information for survivors.
View details →Reach New Mexico Bank & Trust's UMB Private Wealth Management — Trust and Estate Planning at 800-545-6101 for help with any of these procedures.
Because New Mexico Bank & Trust serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Call UMB Bank at 800-699-8702, or go into a New Mexico UMB branch — the Albuquerque main branch is at 320 Gold SW, Albuquerque, NM 87102 (505-830-8169). New Mexico Bank & Trust no longer exists as a bank. Its separate FDIC charter (Cert. 34726) went inactive on August 18, 2023 when Heartland Financial USA consolidated its bank charters; UMB Financial Corporation completed its acquisition of Heartland on January 31, 2025; and on October 16, 2025 UMB announced that the systems and brand conversion was finished and all former Heartland divisional banks now operate under the UMB brand. The nmb-t.com site no longer resolves. Your parent's accounts, CDs, POD designations, and trust relationships were carried over to UMB Bank, N.A. — nothing was lost, but every phone call and every form goes to UMB now.
Sources
Data sourced from New Mexico Bank & Trust primary sources (14 pages reviewed). How we research.
UMB Bank Customer Service (successor to New Mexico Bank & Trust)
UMB Bank, Albuquerque Main Branch, 320 Gold SW, Albuquerque, NM 87102
UMB Private Wealth Management — Trust and Estate Planning
UMB Bank, Albuquerque Private Wealth Management Center, 320 Gold Ave SW, Suite 200, Albuquerque, NM 87102
UMB Bank Customer Service (no separate deceased-account claims department is published)
UMB Bank, Albuquerque Main Branch, 320 Gold SW, Albuquerque, NM 87102
Estate planning articles
Learn how to protect your New Mexico Bank & Trust accounts and other assets with trusts, beneficiary designations, and estate planning documents.
