Estate planning at UMB Bank
How to protect 13 UMB Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
UMB Banking Services
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
UMB Banking Services
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Estate Processing
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
How your UMB Bank accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 11 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.
At UMB Bank, beneficiary designations are managed in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 13 account types at UMB Bank.
View details →When someone dies
Death claim process
5-step process, 8 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 Private Wealth Management administers trusts and estates and will act as trustee, co-trustee, executor, or personal representative. Its published services include revocable (living) trusts, irrevocable trusts, testamentary trusts, charitable trusts, individual retirement trusts (a trusteed IRA that combines IRA tax treatment with trust management), probate estate administration, and custody. Dynasty trusts are offered through UMB Trust Company of South Dakota, and UMB notes you can name that entity as trustee regardless of the state you live in. Contact UMB Private Wealth at 800.862.6670. Naming a corporate trustee is a decision to make with your own attorney.
HTLF (Heartland Financial USA, Inc.) was acquired by UMB Financial Corporation on January 31, 2025. The 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, Premier Valley Bank) completed systems and brand conversion to UMB Bank in October 2025, and the htlf.com domain now redirects to umb.com. FDIC records list one surviving charter: UMB Bank, National Association, Cert. 8273, Kansas City, Missouri. For estate purposes, a POD designation, beneficiary form, or trust titling made at one of the old HTLF brands carries over to UMB Bank, N.A. as successor - but if an estate document names the old bank by name (for example as executor or trustee), have your attorney confirm the reference still reads correctly.
Sources
Data sourced from UMB Bank primary sources (17 pages reviewed). How we research.
UMB Banking Services
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
UMB Banking Services
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Estate Processing
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
Estate planning articles
Learn how to protect your UMB Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
