Estate planning and settlement at UMB Bank
Report a death at 1-800-860-4862
How your UMB Bank 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.
To add or update beneficiaries at UMB Bank, account holders work through direct contact with the institution. The Trust and Estate Planning coordinates these changes.
There are two sides to estate planning at UMB Bank: setting things up while you're alive, and the process survivors follow after a death.
Beneficiaries and trust funding
How to review 13 account types at UMB Bank.
Preparing your estate →Death claim process
Report the death to UMB Bank at 1-800-860-4862. The page lists the steps and the documents to send.
When someone dies →For questions about any of these procedures, contact UMB Bank's Trust and Estate Planning at 1-800-862-6670.
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 Private Wealth Management administers estates and trusts. UMB can be named executor or personal representative of an estate, where its services include preparing an inventory of assets, paying final bills, safeguarding and investing assets under the terms of the will, and filing tax returns and paying final taxes. It can also be appointed trustee. Its published trust services include revocable (living) trusts, irrevocable trusts, testamentary trusts, charitable trusts, trusteed IRAs (an individual retirement trust that combines an IRA with a trust in one agreement), and custody accounts. Dynasty trusts are offered through UMB Trust Company of South Dakota, which UMB states can be named trustee regardless of where you reside. UMB Private Wealth lists 800.862.6670 for trust and estate questions.
UMB Financial Corporation acquired Heartland Financial USA, Inc. (HTLF) in 2025, and FDIC records show HTLF Bank (Denver, FDIC Cert. 58458) merged into UMB Bank, National Association (FDIC Cert. 8273, Kansas City, Missouri) effective February 1, 2025. UMB refers to former HTLF brands such as Illinois Bank & Trust and Dubuque Bank & Trust as divisions of UMB Bank, n.a. Accounts opened under those brands are held at UMB Bank, n.a.
Sources
Data sourced from UMB Bank primary sources (16 pages reviewed). How we research.
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Estate planning articles
Learn how to protect your UMB Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: will, living trust, pour-over will, powers of attorney and TOD deed. Prepare each form for your state and download the PDF.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Codicil to a Will
Add, revoke or replace provisions of your will and republish the rest, signed as your state requires for a will.
HIPAA Release
Name who may receive your medical records, in the authorization federal law requires, with your state's rules for sensitive records. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: will and trust costs, trust or TOD deed, and the signing rules. Run each tool for your state and read its answer.
How Do I Sign Estate Documents?
Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Much Does a Will Cost?
Compare will costs across providers plus probate costs your heirs will pay.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
