Estate planning at UMB Bank
How to protect 13 UMB Bank accounts — manage beneficiaries online, fund a trust in-branch, and file death claims
Customer Service
Phone1-800-821-5184
Mailing Address
UMB Financial, 1010 Grand Boulevard, Kansas City, MO 64106
Online Banking Support
Phone Banking (24-hour)
WebsiteLearn more →
Customer Service
Phone1-800-821-5184
Mailing Address
UMB Financial, 1010 Grand Boulevard, Kansas City, MO 64106
Online Banking Support
Phone Banking (24-hour)
WebsiteLearn more →
Estate Processing
Phone1-800-821-5184
Toll-Free1-800-821-5184
Mailing Address
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
Private Wealth Management
Verified Feb 2026
UMB Bank offers 13 consumer accounts that interact with estate planning in distinct ways. Of those, 11 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at UMB Bank can be managed online, in branch, by mail, and by phone, typically taking 10-20 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
UMB Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 13 account types at UMB Bank.
View details →When someone dies
Death claim process
10-step process, 7 required documents, and contact information for survivors.
View details →UMB Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. UMB supports both revocable and irrevocable trust accounts for checking, savings, money market, and time deposit accounts. Visit a UMB branch with your Certification of Trust or relevant trust agreement pages, government-issued ID for all trustees, and the trust's tax identification number. Existing personal accounts can typically be retitled to a trust at a branch.
Yes. A trust can be named as a POD beneficiary on UMB deposit accounts and as a beneficiary on IRA accounts. For deposit accounts, visit a branch or call 800.821.5184 to set up a trust as your POD beneficiary. For IRA accounts, you will need to provide the trust name, date, and trustee information on the beneficiary designation form.
Yes. UMB Private Wealth Management provides comprehensive trust and estate planning services, including revocable and irrevocable trust structuring, gifting and charitable strategies, probate administration, and succession planning. UMB can serve as trustee or co-trustee and works with your attorney to build a personalized estate plan. Contact UMB Private Wealth at 800.860.4862 for more information.
Customer Service
Phone1-800-821-5184
Mailing Address
UMB Financial, 1010 Grand Boulevard, Kansas City, MO 64106
Online Banking Support
Phone Banking (24-hour)
WebsiteLearn more →
Customer Service
Phone1-800-821-5184
Mailing Address
UMB Financial, 1010 Grand Boulevard, Kansas City, MO 64106
Online Banking Support
Phone Banking (24-hour)
WebsiteLearn more →
Estate Processing
Phone1-800-821-5184
Toll-Free1-800-821-5184
Mailing Address
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
Private Wealth Management
Verified Feb 2026
Estate planning resources for UMB Bank customers
Tools and documents to help protect your UMB Bank accounts.
Do I Need a Revocable Trust?
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