FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Boost your financial know-how

Explore educational playlists to help you build and secure your financial future

Learn more
Loans Mortgage Home Loans

UMB

THE HOME OF HOME MORTGAGES.

Purchasing a home is an exciting event, and UMB can help make the experience go smoothly.

UMB Mortgage Solutions
HELOC or second mortgage

Home Equity Line of Credit

Introductory rate as low as 5.99% APR¹ for 12 months*

*After 12 months variable 7.99% - 10.75% APR applies.

Apply for a HELOC

UMB Checking Accounts - Open An Account Online Today

UMB Select Checking®

  • $1,000 minimum opening deposit
  • Fee waivers and special loan rate discounts
  • Earn interest on your account balance
Learn More

Count on more.®

Recalibrate your income and expenses

How to Bank with Us

Access your accounts online or through our app so you can bank from your couch or even the dentist office.

Learn More
  • debit card versus credit card

    When to use your debit card versus credit card

    Your debit card is like using cash. The money is taken directly out of your checking account. However, when you use a credit card, you are borrowing money to buy something with the intention to pay it back later. It...

    Read Now
  • best home loan

    How to choose the best home loan for you

    Many financial terms can be confusing for homeowners, which can make it tough to find the best home loan for your needs. Loan terms like piggyback loans, home equity line of credit (HELOC) and home equity loans can be overwhelming...

    Read Now
  • financial insights

    Financial insights: What to know about managing debt

    A wide variety of consumer debt sources are available, and millions of Americans contend with student loan, credit card and medical debt daily. Paying down and managing debt in an efficient, focused way—and eventually being free of it—is vital for...

    Read Now
  • debt consolidation

    Should you consider debt consolidation? Here’s how it works

    Debt consolidation can simplify your debt payments. Review available options based on your financial status and goals. Debt can be overwhelming and stressful to manage. Consolidating and tackling your debt is a big step to gaining financial independence. As with...

    Read Now
  • loan lending 101

    Personal lending 101: What loan is right for you?

    Life can be unpredictable. That’s why it’s important to understand the personal loans and lending options that can help you finance the unexpected and plan for the road ahead. So, what personal loan is right for you? Here are a...

    Read Now
UMB Simply Rewards Credit Card

15,000 Bonus Points

And a low introductory APR.
UMB Simply Rewards Visa Credit Card

Learn More

Find an ATM or branch

  • Home