Merger FAQs

UMB Financial Corporation, the parent company of UMB Bank, n.a., is a financial services company headquartered in Kansas City, Missouri, offering personal and private banking, commercial and institutional banking, wealth management, and healthcare services.

• Starting with a single bank founded in 1913, today UMB Bank offers commercial, personal and institutional banking products and services.
• The company has a reputation of strength and stability.
• UMB believes it’s their responsibility to give back to the communities they serve.
• UMB is committed to being a strong community partner by investing time, resources and talent to organizations on important issues.
• To learn more, visit UMB.com

UMB and HTLF have similar values and cultures, with a shared focus on building personal relationships with our associates, customers and communities.

Both HTLF and UMB place high importance on providing consultative personalized service, and dedication to our customers’ financial success. By completing this transaction, we are better positioned to provide exceptional service, enhanced product offerings and expertise to our customers and help make the communities we serve stronger.

Once the merger is complete, we will be one of the largest regional banks in the country with a strong track record of providing you with what you expect in a bank and helping you thrive in all financial environments.

This merger will accelerate our ability to deliver enhanced and added capabilities such as:

• Wealth Management
• Online Applications
• Expanded Treasury Management Product Suite
• Credit and Debit Card Solutions

Additionally, our customers will benefit from UMB’s capabilities in the following areas:

• Expanded segments:
  • Asset-Based Lending
  • Corporate Trust
  • Institutional Custody
  • Dedicated Private Banking product suite
  • Expanded branch network

No. You will receive information in advance of any changes that may affect your account(s). And we’ll be with you every step of the way.

Your relationship management team is not changing, and your local bankers will help guide you through this transition process.

Unless we contact you about a change to your account, you should continue to use the checks, debit cards and online and mobile banking systems that you use today and access those systems through the links you use today.

UMB has 90 branches across eight states. For a complete list of all UMB locations, please visit UMB.com.

Please continue to bank as you do today. Although HTLF Bank banking centers will become part of UMB, they will operate on a separate platform for the time being. We will notify you when you can begin using UMB banking centers. Beginning February 2, 2025, you will have surcharge free access to all UMB ATMs for cash withdrawals and balance inquiries.

Upon completion of the merger in the first quarter of 2025, HTLF Bank will operate as a division of UMB Bank, n.a.

You can expect to see branding changes at the branches, website and online banking.

Yes, both UMB and HTLF Bank have a strong commitment to exceptional customer service.

You can call the same people you call today with any questions. The phone numbers will remain the same, so feel free to contact your bank branch or relationship manager. They will be available to answer any questions you may have.

Generally speaking, deposits held at HTLF Bank are separately insured from deposits at UMB Bank for six months after the merger, which will occur on January 31, 2025. This six-month grace period allows you the opportunity to restructure your accounts if necessary. For more information on FDIC insurance and to calculate ways to maximize your coverage per insured institution visit https://edie.fdic.gov.   

IMPORTANT: When contacting you we will never:

• Say we are from our Fraud Department – our Fraud Department does not place outgoing calls directly to our customers.
• Ask you for your online banking username and password combination.
• Ask you to provide a One-Time Passcode if we call you.
• Ask you for your full debit or credit card number.
• Ask you for a token to initiate a transaction.
• Make threats about your account.