UMB Bank

Commercial bank · Kansas City, United States

UMB Bank, National Association is a national bank based in Kansas City, Missouri, holding FDIC certificate 8273. At 30 June 2026 it held USD 71.9 billion of assets and USD 60.2 billion of deposits across 209 offices. For businesses it sells three tiers of business checking, business money market and CD accounts, commercial lending, treasury management with positive pay and ACH origination, Visa business and commercial cards, and international services including letters of credit and multi-currency accounts. It joined SWIFT under BIC UMKCUS44. Its parent, UMB Financial Corporation, reported USD 73.1 billion of assets at the end of 2025 after buying Heartland Financial in January 2025.

Legal name: UMB Bank, National Association
Regulated by: Office of the Comptroller of the Currency (national bank charter), FDIC (deposit insurance, certificate 8273), Federal Reserve (holding company)
Licence confirmed: yes, on a regulator's own list
Established: 1913
Website: www.umb.com

Scores, 0 to 10

7.5United States

National bank charter with FDIC certificate 8273, 209 offices and USD 71.9 billion of assets at 30 June 2026, offering ACH origination, wires and positive pay to businesses. · source

7.0Financial strength & stability

USD 71.9 billion of assets against USD 60.2 billion of deposits at 30 June 2026, an active national charter since 1902 and FDIC insurance, with no failure or resolution in the record. · source

6.5Trade, manufacturing & import-export

UMB issues letters of credit and helps prepare import and export documentation, holds multi-currency accounts and moves money by SWIFT under BIC UMKCUS44. · source

6.0Cross-border payments, FX and multi-currency accounts

SWIFT member under BIC UMKCUS44 sending wires in the local currency of most countries, with multi-currency accounts, but no published FX margin or currency count. Treasury management covers accounts payable, ACH origination at USD 15 for 50 transactions, positive pay, desktop remote deposit with a free scanner, multi-currency accounts and Canadian cash management. · source

6.0Customer satisfaction

The Trustpilot page for umb.com is too thin to quote at seven reviews. The usable sample is the App Store: UMB Mobile is rated 4.2 out of 5 from 3,081 ratings and UMB Commercial Card 4.6 from 844. · source

6.0Business cards (Visa, Mastercard)

Visa Signature Business Rewards with no annual fee, 0% introductory APR for nine months then 15.49% variable, plus a separate commercial card programme with its own app rated 4.6 from 844 ratings. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: no UMB policy on crypto exchange payments was found, and the only sign is a 2026 CEX.IO guide saying UMB customers fund the exchange by debit card or ACH, which is the exchange's claim, not the bank's. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: UMB publishes no source-of-funds rules for crypto proceeds and no reports of it returning exchange wires were found, checked September 2026. · source

4.5Lowest fees

Business checking costs USD 10, USD 25 or USD 55 a month unless a USD 500 to USD 25,000 average collected balance is kept, plus USD 0.40 for each transaction above the included allowance. · source

4.0Best interest on business balances

Business money market pays interest on seven tiered balances with up to six free withdrawals a month, but no rate is published on the product page. · source

4.0Fast digital onboarding

UMB publishes no time to open a business account; the checking comparison page states only a USD 25 or USD 100 minimum opening deposit. · source

4.0Online businesses: e-commerce and SaaS

UMB sells payment services and commercial cards to merchants but publishes no multi-currency collection account or marketplace payout product. No public API, no accounting integration beyond QuickBooks access at USD 9.95 a month, and no recurring-revenue financing product on the business banking pages. · source

3.5Crypto-friendly bank

UMB publishes no policy on banking crypto exchanges, brokers or miners; its business banking pages list no digital-asset product or onboarding path. · source

3.5Fintech companies that need a partner bank

The business banking product list contains no safeguarding account, sponsor banking, BIN sponsorship or agency rail access for payment firms, and UMB publishes no fintech partnership policy. · source

3.5Startups & VC-backed companies

The business banking pages describe small business, commercial and institutional banking with no startup, venture debt or pre-revenue programme. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

UMB publishes no policy on gambling, cannabis, adult or forex businesses, and no onboarding path for any of them appears in the business banking product list. · source

3.0Foreign-owned & non-resident companies

UMB publishes no path for companies whose owners or directors live abroad; every one of its 209 offices is in the United States and the site names no remote onboarding option. · source

1.0Crypto wallet and custody for a business

UMB's business banking and treasury pages list no crypto custody, and its blockchain work in June 2026 was permissioned ledgers for alternative fund administration with iCapital and Corastone, not crypto holding, checked September 2026. · source

1.0Accept crypto payments

UMB's business banking pages offer treasury management and card services with no crypto or stablecoin acceptance for merchants, checked September 2026. · source

1.0Bitcoin

No bitcoin product for business or personal clients on UMB's pages; a 2026 job ad for a digital asset strategy analyst shows the topic is only under study, checked September 2026. · source

1.0Ethereum

No ether product for business clients on UMB's business banking pages, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network role at UMB, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.