Looking for the nearest UMB Bank near me, ideally a branch or ATM open right now and close to your current location? The UMB Bank locations map below shows your nearest UMB branches and ATMs. UMB Bank is the principal banking subsidiary of UMB Financial Corporation (NASDAQ: UMBF), headquartered in Kansas City, Missouri. Following the January 31, 2025 acquisition of Heartland Financial USA ($2.0 billion all-stock deal, the largest acquisition in UMB’s 112-year history), UMB now operates across 13 states with about $71.8 billion in total assets.
UMB Bank at a glance
- Founded: 1913 in Kansas City, Missouri (originally City Center Bank; 113 years old)
- HQ: 1010 Grand Boulevard, Kansas City, Missouri 64106
- Parent: UMB Financial Corporation (NASDAQ: UMBF)
- Total assets: $71.8 billion (as of June 30, 2025, post-Heartland merger)
- FDIC insured (deposits up to $250,000 per depositor)
- States (13 total, post January 2025 Heartland merger): Missouri, Kansas, Illinois, Colorado, Arizona, Texas, Nebraska, Oklahoma (the original 8) plus California, Minnesota, New Mexico, Iowa, and Wisconsin (5 added via Heartland)
- Routing number: 101000695
- SWIFT BIC: UMKCUS44
- Main toll-free customer service: 1-800-821-5184 (Mon-Fri 7 AM to 8 PM CT, Sat 8 AM to 5 PM CT)
- General customer service alternate: 1-800-860-4862 (1-800-860-4UMB)
- Online banking support: 1-800-699-8702
- Kansas City HQ main line: 816-860-7000
- Branch and ATM locator: locations.umb.com
- Mobile app: UMB Mobile Banking (iOS and Android)
UMB Bank branch and ATM locations near me
Map of UMB Bank locations near me
Use the map below to find your nearest UMB Bank branch or ATM based on your current location. Click any pin for the exact address and directions. For the most accurate result, allow your browser to share your location, or zoom and pan to the area you want.
Caption: Search by address, city, or ZIP code on the UMB locator. Source: locations.umb.com
For the official UMB Bank locator, visit locations.umb.com. Enter your address, city, state, or ZIP code into the search box and click “Search” to view the nearest UMB branches and ATMs, including locations across the new states added in the 2025 Heartland Financial merger.
UMB Bank branch locator: how to find a branch or ATM near you
The official UMB Bank locator at locations.umb.com lets you search any of these ways:
- By your current location: Allow the website to use your device location for the nearest results
- By address, city, state, or ZIP code: Enter the area you want to search
- Filter by type: Branches, ATMs only, or both
- Filter by service: Drive-thru, Saturday hours, deposit-enabled ATMs, mortgage appointments, wealth management, commercial banking
- By state: Dedicated state-level pages for each of UMB’s 13 states (locations.umb.com lists branches by state, city, and neighborhood)
The UMB Mobile Banking app on iOS and Android also includes a built-in branch and ATM locator that uses your current location automatically.
UMB Bank ATM near me
UMB Bank operates an extensive ATM network across its 13-state footprint, including at every UMB branch and a number of standalone ATM locations. Most UMB Bank ATMs are accessible 24 hours a day, 7 days a week. UMB Bank customers can use any UMB branded ATM with no surcharge.
What you can do at a UMB Bank ATM:
- Withdraw cash from your UMB checking, savings, or credit card account
- Check your account balance and recent transactions
- Deposit cash and checks (at deposit-enabled UMB ATMs)
- Transfer funds between UMB accounts
- Make a cardless ATM withdrawal using the UMB Mobile Banking app
- Print a mini statement
Using a non-UMB ATM may trigger a fee from the ATM operator. Some UMB checking accounts include limited reimbursement of out-of-network ATM fees.
UMB Bank hours, open now and Saturday hours
Is UMB Bank open now? Standard UMB Bank branch hours are typically Monday to Friday 9 AM to 5 PM, with many branches also offering Saturday hours of 9 AM to noon or 1 PM at select locations. Drive-thru hours often extend before and after the lobby. Most stand-alone branches are closed on Sundays.
- Branches: Mon-Fri 9 AM to 5 PM at most locations
- Saturday hours: 9 AM to noon or 1 PM at many branches (use the Saturday Hours filter on the locator)
- Sunday hours: Most stand-alone branches closed
- Drive-thru: Often opens earlier and stays open later than the lobby at many branches
- ATMs: 24/7 at most branch-attached and standalone ATMs
- Customer service (1-800-821-5184): Mon-Fri 7 AM to 8 PM CT, Sat 8 AM to 5 PM CT
- UMB Mobile Banking app and online banking: 24/7
Federal holiday closures. UMB Bank branches are closed on standard Federal Reserve holidays: New Year’s Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. ATMs, online banking, and the UMB Mobile Banking app remain available on federal holidays.
UMB Bank by state: where UMB operates
UMB Bank now operates retail branches in 13 states, following the January 2025 acquisition of Heartland Financial USA which expanded its footprint from 8 to 13 states. UMB’s branch network spans the Midwest, Mountain West, Southwest, and Pacific regions.
UMB’s original 8 states (pre-2025)
- Missouri: UMB’s home state, with the largest branch network. Major markets include Kansas City (HQ), St. Louis, Springfield, Columbia, and Jefferson City.
- Kansas: Kansas City (KS), Overland Park, Topeka, Lawrence, Wichita, and other markets
- Illinois: Chicago metro and other Illinois markets
- Colorado: Denver, Boulder, Colorado Springs, Fort Collins, and surrounding areas
- Arizona: Phoenix, Scottsdale, Tucson, and other Arizona markets
- Texas: Dallas-Fort Worth, Houston, Austin, San Antonio, Lubbock, and other Texas markets
- Nebraska: Omaha, Lincoln, and surrounding areas
- Oklahoma: Oklahoma City, Tulsa, and other Oklahoma markets
5 states added by the January 2025 Heartland Financial merger
- California: Central Valley (Fresno, Modesto, Bakersfield), Sacramento, and other California markets
- Minnesota: Twin Cities (Minneapolis, St. Paul) and Greater Minnesota
- New Mexico: Albuquerque, Santa Fe, Hobbs, and other New Mexico markets
- Iowa: Dubuque (Heartland’s original HQ), Des Moines, and other Iowa markets
- Wisconsin: Madison, Milwaukee, Green Bay, and other Wisconsin markets
States where UMB Bank does NOT operate
UMB Bank does NOT have retail branches in Tennessee, Florida, Indiana, Ohio, Virginia, North Carolina, Louisiana, Washington state, or most other US states outside the 13-state footprint listed above. UMB Bank has no branches in those states, including Tennessee and Florida. For US retail banking outside UMB’s footprint, see major US bank pages like Chase, Bank of America, Wells Fargo, or U.S. Bank.
Contact UMB Bank
- Main toll-free customer service: 1-800-821-5184 (Mon-Fri 7 AM to 8 PM CT, Sat 8 AM to 5 PM CT)
- General customer service alternate: 1-800-860-4862 (1-800-860-4UMB)
- Online banking support: 1-800-699-8702
- Kansas City HQ main line: 816-860-7000
- Lost or stolen card: 1-800-821-5184 (main customer service line, during business hours)
- Specific branch phone numbers: Use the locator at locations.umb.com to find the direct phone for any specific branch
- HQ address: UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, Missouri 64106
About UMB Bank
UMB Bank is the principal banking subsidiary of UMB Financial Corporation (NASDAQ: UMBF), a Kansas City, Missouri-based financial services company. UMB was founded in 1913 as City Center Bank in Kansas City, just two years after the Federal Reserve System was created. Over more than 110 years, UMB has grown from a single Kansas City branch into a regional bank operating across 13 states, with total assets of $71.8 billion as of mid-2025.
UMB stands for “United Missouri Bancshares“, reflecting the company’s Missouri roots. The bank’s headquarters at 1010 Grand Boulevard has been a Kansas City landmark for decades.
January 2025: UMB’s $2 billion acquisition of Heartland Financial USA
On 31 January 2025, UMB Financial Corporation completed its $2.0 billion all-stock acquisition of Heartland Financial USA, Inc. (NASDAQ: HTLF), the largest acquisition in UMB’s 112-year history at the time. Heartland Financial was a Dubuque, Iowa-based multi-bank holding company that operated subsidiary banks under brands including Dubuque Bank and Trust, New Mexico Bank & Trust, Wisconsin Bank & Trust, Premier Valley Bank (California), and others.
The merger expanded UMB’s footprint from 8 states to 13 states, adding California, Minnesota, New Mexico, Iowa, and Wisconsin, and increased UMB’s total assets to $71.8 billion. UMB completed the systems and brand conversion of all former Heartland subsidiary banks to the UMB Bank brand on 16 October 2025. Former Heartland customers are now full UMB Bank customers with new UMB account numbers, debit cards, and routing numbers as needed.
Services offered
UMB offers a full range of personal banking (checking and savings accounts, money market accounts, CDs, mortgages, home equity loans, auto loans, personal loans, credit cards, online and mobile banking), business and commercial banking, treasury management, asset management, wealth management, institutional banking (mutual fund services, corporate trust, healthcare benefit accounts), and specialty finance services including fund services and corporate trust through its UMB Fund Services arm.
Frequently asked questions
Where is the nearest UMB Bank branch or ATM to my current location?
Use the UMB Bank locations map at the top of this page to find your nearest UMB branch or ATM based on your current location. Click any pin for the exact address. For an official search with filters, use the locator at locations.umb.com and enter your ZIP code, city, or state, or open the UMB Mobile Banking app on iOS or Android, which uses your current location automatically.
What states does UMB Bank operate in?
UMB Bank operates retail branches in 13 states following the January 2025 acquisition of Heartland Financial USA: Missouri (home state), Kansas, Illinois, Colorado, Arizona, Texas, Nebraska, Oklahoma (the original 8) plus California, Minnesota, New Mexico, Iowa, and Wisconsin (5 added via the Heartland merger). UMB does not have retail branches in Tennessee, Florida, Indiana, Ohio, Virginia, North Carolina, Louisiana, or Washington state.
Is UMB Bank open now near me?
Standard UMB Bank branch hours are Monday to Friday 9 AM to 5 PM, with many branches also offering Saturday hours of 9 AM to noon or 1 PM at select locations. Most branches are closed on Sundays. The 24/7 customer service phone line (1-800-821-5184, Mon-Fri 7 AM to 8 PM CT, Sat 8 AM to 5 PM CT) and the UMB Mobile Banking app are available outside branch hours. To check whether a specific branch is open right now, use the official locator at locations.umb.com.
What is UMB Bank’s customer service phone number?
The UMB Bank main toll-free customer service number is 1-800-821-5184, available Monday to Friday 7 AM to 8 PM CT and Saturday 8 AM to 5 PM CT. The general customer service alternate is 1-800-860-4862 (1-800-860-4UMB). For online banking support, call 1-800-699-8702. The Kansas City HQ main line is 816-860-7000.
Did UMB acquire Heartland Financial USA?
Yes. On 31 January 2025, UMB Financial Corporation completed its $2.0 billion all-stock acquisition of Heartland Financial USA, Inc. (NASDAQ: HTLF), the largest acquisition in UMB’s 112-year history at the time. The deal added 5 new states (California, Minnesota, New Mexico, Iowa, and Wisconsin) to UMB’s footprint, expanding from 8 states to 13. UMB completed the systems and brand conversion of all former Heartland subsidiary banks (including Dubuque Bank and Trust, New Mexico Bank & Trust, Wisconsin Bank & Trust, Premier Valley Bank, and others) to the UMB Bank brand on 16 October 2025.
I used to bank with Dubuque Bank and Trust / New Mexico Bank & Trust / another Heartland brand. Am I now a UMB customer?
Yes. All former Heartland Financial subsidiary banks were converted to the UMB Bank brand on 16 October 2025. Former Heartland customers are now full UMB Bank customers and should use their new UMB account numbers, debit cards, online banking credentials, and routing numbers as provided. If you have questions about your former Heartland account that has now been converted, call UMB customer service at 1-800-821-5184.
What does UMB stand for?
UMB stands for “United Missouri Bancshares”, reflecting the company’s Missouri roots. UMB was founded as City Center Bank in Kansas City in 1913 and reorganized as United Missouri Bancshares before adopting the simpler “UMB Financial Corporation” brand. UMB Bank is the principal banking subsidiary of UMB Financial Corporation (NASDAQ: UMBF).
Are UMB Bank ATMs free to use?
Yes for UMB Bank customers. UMB Bank customers can use any UMB branded ATM with no surcharge. Using a non-UMB ATM may trigger a fee from the ATM operator. Some UMB checking accounts include limited reimbursement of out-of-network ATM fees, so check your account agreement for the specific policy.
Is UMB Bank FDIC insured?
Yes. UMB Bank, N.A. is FDIC insured. Deposits are backed by the full faith and credit of the U.S. Government up to $250,000 per depositor, per insured bank, for each account ownership category, in line with all FDIC-insured US banks.
Get support
If you have a question about UMB Bank services or finding a branch or ATM, you can browse the bank directory on our homepage, see the ATM Near Me guide for general ATM tips, or email us at info@bank-nearme.com.