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Home→Financial Institutions→UMB Bank→Preparing your estate

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

OverviewPreparing your estateWhen someone dies

UMB Bank

Subsidiary of UMB Financial Corporation

umb.com→
UMB Bank logo

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)
1-800-821-5184
Check Orders
1-800-860-4862
HSA / Benefit Accounts
1-866-293-9605
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)
1-800-821-5184
Check Orders
1-800-860-4862
HSA / Benefit Accounts
1-866-293-9605
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
1-800-862-6670
Verified May 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
Online Portal→

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 Bank

Subsidiary of UMB Financial Corporation

umb.com→
UMB Bank logo

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)
1-800-821-5184
Check Orders
1-800-860-4862
HSA / Benefit Accounts
1-866-293-9605
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)
1-800-821-5184
Check Orders
1-800-860-4862
HSA / Benefit Accounts
1-866-293-9605
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
1-800-862-6670
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.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

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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.

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Is this your situation?

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New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

Starting a life together means planning for it. Beneficiary updates, asset titling, powers of attorney, and what blended families need to know.

Learn more