How to name beneficiaries and fund a trust at UMB Bank
Covers 9 deposit, 2 retirement, and 2 lending accounts — beneficiaries can be managed online
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 Apr 2026
The key to protecting your UMB Bank accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
With 13 product types, UMB Bank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
UMB Select CheckingUMB Value CheckingUMB Free CheckingUMB Check-Free BankingUMB SavingsUMB Premium SavingsUMB Youth SavingsUMB Retail Money MarketUMB Time Deposit
1
Access beneficiary management online
- Log in to UMB Online Banking at umb.com
- Navigate to account settings or beneficiary management
- Select the account for which to add or update beneficiaries
2
Enter and confirm beneficiary details
- Enter beneficiary details including full legal name, date of birth, SSN, and relationship
- Designate allocation percentages for multiple beneficiaries
- Review and confirm the beneficiary designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require providing the trust name, date, and trustee details
- Community property state residents may need spousal consent for IRA beneficiary changes naming a non-spouse
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 Apr 2026
Estate planning articles
Learn how to protect your UMB Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
