Estate planning at UMB Bank
How to protect 13 UMB Bank accounts — manage beneficiaries online, fund a trust in-branch, and file death claims
UMB Banking Services
Phone1-800-699-8702
Mailing Address
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Card Issues / PIN Reset (24/7)
Check Orders
HSA / Benefit Accounts
WebsiteLearn more→
UMB Banking Services
Phone1-800-699-8702
Mailing Address
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Card Issues / PIN Reset (24/7)
Check Orders
HSA / Benefit Accounts
WebsiteLearn more→
Estate Processing
Phone1-800-699-8702
Toll-Free1-800-699-8702
Mailing Address
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
Private Wealth Management
Verified May 2026
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.
Managing beneficiaries at UMB Bank is straightforward—changes can be made 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.
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 manage beneficiaries online, fund a trust in-branch, and review 13 account types at UMB Bank.
View details →When someone dies
Death claim process
3-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 Private Wealth Management provides comprehensive trust and estate planning services, including revocable and irrevocable trust structuring, charitable trusts, testamentary trusts, dynasty trusts (via UMB Trust Company of South Dakota), trusteed IRAs, probate estate 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 800.862.6670 for more information.
HTLF (Heartland Financial USA, Inc.) was acquired by UMB Financial Corporation on January 31, 2025. All 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. The htlf.com domain now redirects to umb.com.
Sources
Data sourced from UMB Bank primary sources (14 pages reviewed). How we research.
UMB Banking Services
Phone1-800-699-8702
Mailing Address
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Card Issues / PIN Reset (24/7)
Check Orders
HSA / Benefit Accounts
WebsiteLearn more→
UMB Banking Services
Phone1-800-699-8702
Mailing Address
UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, MO 64106
Card Issues / PIN Reset (24/7)
Check Orders
HSA / Benefit Accounts
WebsiteLearn more→
Estate Processing
Phone1-800-699-8702
Toll-Free1-800-699-8702
Mailing Address
UMB Bank, Attn: Estate Processing, 1010 Grand Boulevard, Kansas City, MO 64106
Private Wealth Management
Verified May 2026
Estate planning articles
Learn how to protect your UMB Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
