What to do when a UMB Bank account holder dies
Contact UMB Bank — 10-step process, 7 required documents, and 5-10 business days for initial review after complete document submission
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
When a UMB Bank account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with UMB Bank's Estate Processing (1-800-821-5184) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting UMB Bank. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at UMB Bank:
Filing a claim
1Contact UMB Banking Services at 800.821.5184 to notify the bank of the account holder's death
2Provide the deceased's full legal name, Social Security number, and account number(s)
3Submit a certified copy of the death certificate to a UMB branch or by mail
4For accounts with POD beneficiary: provide death certificate and beneficiary government-issued photo ID
5For joint accounts with right of survivorship: provide death certificate; surviving owner retains access
6For accounts without beneficiary: provide Letters Testamentary, Letters of Administration, or Small Estate Affidavit as applicable
7For trust accounts: provide death certificate, trust documentation, and successor trustee identification
8For IRA accounts: provide death certificate, beneficiary ID, and complete IRA distribution or transfer forms
9UMB may require additional forms depending on the type of accounts impacted and specific circumstances
10Distribution options include transfer to an existing UMB account, opening a new account, or check
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant (beneficiary, executor, or successor trustee)
- Account information for the deceased (account numbers, account types)
- For accounts without beneficiary: Letters Testamentary, Letters of Administration, or Small Estate Affidavit
- For trust accounts: trust documentation including successor trustee provisions and signature pages
- For IRA accounts: IRA distribution or inherited IRA transfer forms
- Written instructions on distribution preference
Processing time varies based on account type, completeness of documentation, and whether probate is required. For wealth management and trust accounts, contact UMB Private Wealth Management at 800.860.4862 for specialized estate settlement assistance. Additional forms may be required depending on specific circumstances.
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower's revocable trust.
1Notify UMB Banking Services at 800.821.5184 of the borrower's death
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request to be recognized as a Successor in Interest under CFPB mortgage servicing rules
5Provide documentation proving your ownership interest in the property (e.g., probated will, court order, deed, trust document, or marriage certificate)
6UMB will review your documentation and confirm your status as a Successor in Interest
7Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
8Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property: probated will, court order, recorded deed, trust document, or marriage certificate
- Letters Testamentary or Letters of Administration (if going through probate)
- Loan number and borrower information
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. § 1701j-3), UMB cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules and are entitled to account information, loss mitigation options, and assumption rights. Mortgage servicing is provided through Dovenmuehle Mortgage, Inc. Online mortgage servicing portal: umb.mtgsvc.com.
Processing timelines at UMB Bank: 5-10 business days for initial review after complete document submission. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
UMB Bank requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued photo ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased (account numbers, account types), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Log in to UMB Online Banking at umb.com and navigate to beneficiary management, or visit your nearest UMB branch. You can add POD (Payable on Death) beneficiaries to checking, savings, money market, and time deposit accounts. For IRA accounts, complete a beneficiary designation form through your branch or by calling 800.821.5184.
Contact UMB Banking Services at 800.821.5184 (Monday through Friday, 7 a.m. to 8 p.m. CT; Saturday, 8 a.m. to 5 p.m. CT) or visit your nearest UMB branch. You will need the deceased's full legal name, Social Security number, account numbers, and a certified copy of the death certificate. UMB will advise on additional documents required based on the type of accounts.
Required documents depend on the account type. All claims require a certified death certificate and valid government-issued photo ID for the claimant. Accounts with POD beneficiaries require beneficiary identification. Accounts without beneficiaries require Letters Testamentary, Letters of Administration, or a Small Estate Affidavit. Trust accounts require trust documentation and successor trustee ID. IRA accounts require distribution or transfer forms.
A POD (Payable on Death) beneficiary is a designation on an existing account that transfers funds directly to the named beneficiary upon the account holder's death, avoiding probate. A trust account is an account titled in the name of a trust, governed by the trust agreement, which can provide more detailed distribution instructions, ongoing management, and protection for beneficiaries. Both methods avoid probate for the assets they cover.
No. IRAs cannot be retitled to a trust due to federal tax regulations. However, you can name a trust as the beneficiary of your IRA. This allows the IRA assets to pass into the trust upon your death according to the trust terms. Consult a tax professional before naming a trust as IRA beneficiary, as it may affect distribution requirements for beneficiaries.
Contact UMB Banking Services at 800.821.5184 to report the borrower's death. Heirs can request recognition as a Successor in Interest under CFPB mortgage servicing rules. Under the Garn-St. Germain Act, UMB cannot accelerate the loan when the property transfers to a surviving spouse, child, or the borrower's revocable living trust. Confirmed Successors in Interest can continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance.
UMB Bank's Estate Processing can be reached by phone at 1-800-821-5184 for questions throughout the claims process.
If the deceased held multiple UMB Bank accounts, each may require a separate claim or have different documentation requirements. The Estate Processing can confirm which accounts require individual attention and which can be processed together.
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
Tools for settling a UMB Bank estate
Calculators and checklists to help navigate estate settlement after a UMB Bank account holder passes away.
How Do I Settle an Estate?
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Do I Need Probate?
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