Private Banking and Lending
Get started on the next step of your financial journey
We can handle your day-to-day banking needs and offer custom lending solutions, so you can spend your time focusing on what matters more to you.
Tailored solutions
We provide comprehensive financial solutions that align with your life, delivered with the personal attention you deserve.
Real conversations
We are here with you step-by-step to plan, brainstorm and manage your specific financial needs.
Unparalleled access
We are dedicated to helping you achieve your goals. As a responsive partner, you can count on us to stay one step ahead as your needs evolve.
Schedule your one-on-one financial review with a private banker today.
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WHAT YOU CAN EXPECT
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Solutions for professionals and small business owners
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Waived or discounted fees for services, such as checks, money orders and notary services
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A multi-faceted and experienced team ready to work for your goals
Custom home lending solutions4 | Offered exclusively to our Private Banking clients
Mortgage solutions
You need a mortgage solution that does more for you. We have the flexibility to structure a mortgage built for your unique needs, with a full suite of home lending solutions.
Learn moreHome equity line of credit (HELOC)
Our competitive HELOC is a savvy choice that allows you to access funds you need when you need them to finance major expenses or remodel a home. Ask your advisor about the fixed rate option, which allows you to lock in an interest rate on all or part of your balance.
Construction loan
If you plan to build a primary or secondary residence, we offer a tailored construction loan with project and budget management, a convenient construction checking account, and regular inspections to ensure the project is progressing.
Bridge loan
Our temporary bridge loan can meet the needs of those purchasing new homes while the former home is still on the market. This financing option is a unique way to ensure a smooth transition to your new house using a term loan.
securities based lending solutions4 | Offered exclusively to our Private Banking clients
A secured line of credit or term loan can be a smart way to use your eligible securities—like stocks, bonds and mutual funds—as collateral to obtain the funds you need today. Your private banker can help assess the risks and benefits based on your needs. This unique lending vehicle allows you to maintain your investment portfolio while meeting day-to-day cash flow demands or planning for a future expense.
- Consolidating debt
- Covering unexpected expenses
- Investing in an opportunity
- Real estate renovations
- Estate and tax expense planning
- Business expenses
- Education or legacy contributions
- Luxury purchases
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UMB Private Bank Visa® Signature Preferred Credit Card²
UMB Private Bank clients may be eligible for the UMB Visa Signature Preferred credit card.
We designed this card with your lifestyle in mind. Our rewards program is hassle-free – no points, no expirations, and no tasks to distract you. Cash rewards are redeemed at the end of every quarter with no spending caps and no reward limits—simple, easy, and automatic. Plus, earn up to 2% cash back3 on your net purchases which automatically appear as an account credit each quarter. Contact your UMB Private Banker for more information at 800.862.6670.
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An investor’s guide maximizing returns through strategic asset allocation
Read NowAsset allocation is a crucial component of wealth management strategy. In “ Determinants of Portfolio Performance ‡” a paper written in 1986 by Gary Brinson, Randolph Hood and Gilbert Beebower, the authors express that a vast majority of expected return...
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The skinny on jumbo mortgages
Read NowIf you’ve purchased a large home, vacation property or live in a city where home prices are above the national average, chances are you’ve taken out a jumbo mortgage. You just may not know that’s what it’s called. Below I...
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First steps for handling an unexpected financial windfall
Read NowIt may seem far-fetched to imagine yourself on the receiving end of an unexpected financial windfall, but many people will experience a sudden influx of cash at least once in their lifetime. Windfalls don’t always come from winning the lottery...
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Why you need a private banker
Read NowStrategically managing the day-to-day needs of your finances can be time consuming. One option to ensure you stay on top of your assets and reach your goals is to enlist the help of a dedicated private banker. What is a...
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Four financial factors to consider before retirement
Read NowHousing Housing is often the largest cost in retirement, which makes it a good place to start when considering what moves to make when trying to reduce retirement expenses. If you’re able to pay off your mortgage before retirement that...
Other Products and Services
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- UMB Bank checking and savings accounts are FDIC-insured to the standard maximum deposit insurance amount.
- Customers that do not qualify for the Private Banking Visa® Signature Card will automatically be considered for the Private Banking Visa® Platinum Card that earns 1% cash back on all net purchases. The following transactions are excluded from "purchases" and do not earn cash back rewards: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. See your Private Banking Visa® Card Rewards Rules and Guide to Benefits that accompany your card for details.
- You will earn 1.35% cash back rewards when you spend up to $4,999.99 in Net Purchases in any statement cycle. But if your monthly Net Purchases with the Card are between $5,000 and $9,999.99, you will earn 1.50% cash back rewards on all Net Purchases during that monthly cycle. And if your Net Purchases are $10,000 or more in a statement cycle, you will earn 2.00% cash back rewards for all Net Purchases with the Card that month. Cash back is awarded as a statement credit.
Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2023 UMB Bank and Visa.
Offers subject to change without notice. - All loans are subject to approval.