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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in Texas. Contact us to set up a time to\n meet that\'s convenient for you.

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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

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Steadfast values

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Steadfast values

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  • A closer look at UMB in Texas

    Recognizing 10 years in the Texas market: Top advice from the team

    This year marks our tenth year in the Texas market, and we are just as excited today as we were the day we launched about serving our clients and the community here. 2022 was another banner year with 29% loan...

    Read Now
  • Bryson Reschke Utah

    Amidst challenges, Texas businesses adapt and prepare: Q&A with UMB Bank’s Jeff Strasner

    The past several years have been increasingly challenging for businesses, with what seems like Bryson Reschke, vice president, business banking relationship officer discusses how he serves business clients in Utah, supports his local team, and the value of a relationship-first approach. Vowing to lead through coaching As a relationship officer in UMB Bank’s business...

    Read Now
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  • A closer look at UMB in Texas

    Fresh perspectives: Two associates reflect on why they made the move to UMB in Utah

    This year marks our tenth year in the Texas market, and we are just as excited today as we were the day we launched about serving our clients and the community here. 2022 was another banner year with 29% loan...

    Read Now
  • Bryson Reschke Utah

    Amidst challenges, Texas businesses adapt and prepare: Q&A with UMB Bank’s Jeff Strasner

    The past several years have been increasingly challenging for businesses, with what seems like Bryson Reschke, vice president, business banking relationship officer discusses how he serves business clients in Utah, supports his local team, and the value of a relationship-first approach. Vowing to lead through coaching As a relationship officer in UMB Bank’s business...

    Read Now
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Hear from your Utah Leadership

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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in Utah. Contact us to set up a time to
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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

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Steadfast values

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We\'re here for you in Texas. Contact us to set up a time to meet that\'s convenient for you.

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  • A closer look at UMB in Texas

    Recognizing 10 years in the Texas market: Top advice from the team

    This year marks our tenth year in the Texas market, and we are just as excited today as we were the day we launched about serving our clients and the community here. 2022 was another banner year with 29% loan...

    Read Now
  • Bryson Reschke Utah

    Amidst challenges, Texas businesses adapt and prepare: Q&A with UMB Bank’s Jeff Strasner

    The past several years have been increasingly challenging for businesses, with what seems like Bryson Reschke, vice president, business banking relationship officer discusses how he serves business clients in Utah, supports his local team, and the value of a relationship-first approach. Vowing to lead through coaching As a relationship officer in UMB Bank’s business...

    Read Now
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We\'re here for you in Texas. Contact us to set up a time to\n meet that\'s convenient for you.

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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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We\'re here for you in Texas. Contact us to set up a time to\n meet that\'s convenient for you.

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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in St. Louis. Contact us to set up a time to meet that\'s convenient for you.

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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Your business goals. Achieved.

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UMB Bank is your financial partner in Texas

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We are ready to work for you and your business to help achieve goals that keeps you moving forward in all economic environments.

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Hear from your Utah Leadership

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“At UMB Bank, we have a proud 110-year history of standing shoulder-to-shoulder with our customers through all cycles. As we’ve grown, our standards haven’t changed. We believe banking is more than financial products; it’s personalized flexibility and responsiveness. We remain committed to serving with integrity and trust to meet the needs of our customers and communities.”
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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in St. Louis. Contact us to set up a time to meet that\'s convenient for you.

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\n \x3c!--Record Type--\x3e\n \x3c!--LOB--\x3e\n \x3c!--Lead Source--\x3e\n \x3c!--Lead Source Detail--\x3e\n \x3c!--Rating--\x3e\n \x3c!--Web Form URL--\x3e\n \x3c!--UTM Source--\x3e\n \x3c!--UTM Medium--\x3e\n \x3c!--UTM Campaign--\x3e\n
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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Hear from your Texas Leadership

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/*vwo_debug log("editElement",".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)")).html("UMB is excited to build upon Wisconsin Bank & Trust's success and become even more ingrained as a financial steward and community advocate. 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/*vwo_debug log("editElement",".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)")).html("UMB is excited to build upon Dubuque Bank & Trust's success and become even more ingrained as a financial steward and community advocate. 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vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).html("In a landmark merger that will help us better serve your financial needs, now and in the future, Illinois Bank & Trust has joined UMB Bank.");})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, R_931663_77_1_8_2:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement",".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).vwoRevertHtml();})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, C_931663_77_1_8_3:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement",".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)")).html("UMB is excited to build upon Illinois Bank & Trust's success and become even more ingrained as a financial steward and community advocate. 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vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).html("In a landmark merger that will help us better serve your financial needs, now and in the future, Minnesota Bank & Trust has joined UMB Bank.");})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, R_931663_77_1_9_2:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement",".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).vwoRevertHtml();})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, C_931663_77_1_9_3:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement",".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)")).html("UMB is excited to build upon Minnesota Bank & Trust's success and become even more ingrained as a financial steward and community advocate. 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vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).html("In a landmark merger that will help us better serve your financial needs, now and in the future, Arizona Bank & Trust has joined UMB Bank.");})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, R_931663_77_1_10_2:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement",".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")).vwoRevertHtml();})(".lp-positioned-content > div:nth-of-type(8) > p:nth-of-type(1) > span:nth-of-type(1) > span:nth-of-type(1)")}}, C_931663_77_1_10_3:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement",".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".lp-positioned-content > div:nth-of-type(36) > p:nth-of-type(2) > span:nth-of-type(1)")).html("UMB is excited to build upon Arizona Bank & Trust's success and become even more ingrained as a financial steward and community advocate. 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“At UMB Bank, we have a proud 110-year history of standing shoulder-to-shoulder with our customers through all cycles. As we’ve grown, our standards haven’t changed. We believe banking is more than financial products; it’s personalized flexibility and responsiveness. We remain committed to serving with integrity and trust to meet the needs of our customers and communities.”
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Hear from your Utah Leadership

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  • A closer look at UMB in Texas

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Phone: 817.334.4639
Michael.Garner@umb.com

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We are ready to work for you and your business to help achieve goals that keeps you moving forward in all economic environments.

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UMB Bank is your financial partner in Texas

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Your business goals. Achieved.

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Your business goals. Achieved.

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UMB Bank is your financial partner in Texas

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David Andersen, Market President of UMB Bank Utah–

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Hear from your Utah Leadership

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  • A closer look at UMB in Texas

    Recognizing 10 years in the Texas market: Top advice from the team

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We\'re here for you in Texas. Contact us to set up a time to meet that\'s convenient for you.

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Phone: 817.334.4639
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  • A closer look at UMB in Utah

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  • ESOPs Employee

    ESOPs are on the rise. Are they right for your business?

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Hear from your Utah Leadership

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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in Arizona. Contact us to set up a time to
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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

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Your business goals. Achieved.

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We are ready to work for you and your business to help achieve goals that keeps you moving forward in all economic environments.

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Let\'s work together
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Hear from your Utah Leadership

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We\'re here for you in Texas. Contact us to set up a time to meet that\'s convenient for you.

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Phone: 817.334.4639
Michael.Garner@umb.com

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Phone: 402.389.0059
Aaron.Gilson@umb.com

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Business Banking Relationship Officer Sr.");})(".coh-ce-cpt_person_profile_card-9c7724f2 > p:nth-of-type(1)")}}, R_931663_89_1_2_12:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","changeSRC",".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)")).vwoRevertAttr();})(".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)")}}, C_931663_89_1_2_12:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("changeSRC",".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)")).vwoAttr({alt:"",title:"",width:"184",height:1049,border:"",src:"https://p1.aprimocdn.net/umb/752cc284-f963-4ff7-80ff-b2880152b3b6/Aaron_Gilson_headshot_Original_file.jpg"});})(".media--view-mode-person-profile-card > div:nth-of-type(1) > div:nth-of-type(2) > img:nth-of-type(1)")}}, R_931663_89_1_2_11:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","content","H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c"); vwo_debug*/(el=vwo_$(".vwo_tm_1739985526838 H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c")).revertContentOp(),(el=vwo_$(".vwo_tm_1739985526838 H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c")).vwoRevertCss();})(".vwo_tm_1739985526838 H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c")}}, C_931663_89_1_2_11:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("content","H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c"); vwo_debug*/(el=vwo_$(".vwo_tm_1739985526838 H3:tm('YOUR BUSINESS GOALS. ACHIEVED.'):nth-parent(1) .coh-paragraph.coh-ce-cpt_hero_main_text_slider-1508313c1.coh-ce-cpt_hero_main_text_slider-1508313c")).replaceWith2('

We are ready to work for you and your business to help achieve goals that keeps you moving forward in all economic environments.

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• 4.22% APY* 11-MONTH TIME DEPOSIT ACCOUNT
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• 4.36% APY* 5-MONTH TIME DEPOSIT ACCOUNT
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• 4.05% APY* UMB RETAIL MONEY MARKET ACCOUNT ON NEW ACCOUNT BALANCES OF $10k OR MORE

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  • A closer look at UMB in Texas

    Recognizing 10 years in the Texas market: Top advice from the team

    This year marks our tenth year in the Texas market, and we are just as excited today as we were the day we launched about serving our clients and the community here. 2022 was another banner year with 29% loan...

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  • Bryson Reschke Utah

    Amidst challenges, Texas businesses adapt and prepare: Q&A with UMB Bank’s Jeff Strasner

    The past several years have been increasingly challenging for businesses, with what seems like Bryson Reschke, vice president, business banking relationship officer discusses how he serves business clients in Utah, supports his local team, and the value of a relationship-first approach. Vowing to lead through coaching As a relationship officer in UMB Bank’s business...

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  • Aaron Randolph Larson Financial

    Supporting business growth: How Larson Financial optimized with UMB

    There is nothing more satisfying than getting to know my customers and helping them achieve business growth and success. Each win for them feels like a win for me, too. I can tell you without hesitation that UMB’s service approach...

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  • Peter Blumeyer St Louis QA

    Q&A with Peter Blumeyer on growth and market conditions in St. Louis

    What factors have contributed to the growth and success of the St. Louis region? First and foremost, our people are the reason we had so much success this year. We recently achieved a milestone of $3.44 billion in average loans...

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Hear from your Utah Leadership

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“At UMB Bank, we have a proud 110-year history of standing shoulder-to-shoulder with our customers through all cycles. As we’ve grown, our standards haven’t changed. We believe banking is more than financial products; it’s personalized flexibility and responsiveness. We remain committed to serving with integrity and trust to meet the needs of our customers and communities.”
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David Andersen, Market President of UMB Bank Utah–

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We\'re here for you in St. Louis. Contact us to set up a time to meet that\'s convenient for you.

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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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We are ready to work for you and your business to help achieve goals that keeps you moving forward in all economic environments.

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We\'re here for you in Texas. Contact us to set up a time to\n meet that\'s convenient for you.

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\n \x3c!--Record Type--\x3e\n \x3c!--LOB--\x3e\n \x3c!--Lead Source--\x3e\n \x3c!--Lead Source Detail--\x3e\n \x3c!--Rating--\x3e\n \x3c!--Web Form URL--\x3e\n \x3c!--UTM Source--\x3e\n \x3c!--UTM Medium--\x3e\n \x3c!--UTM Campaign--\x3e\n
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Questions? Contact a UMB representative

Nicholas Hintze
Commercial Relationship Manager

Phone: 801.917.2268
Nicholas.Hintze@umb.com

Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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  • Economic volatility Colorado Denver Paul Williamson

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David Andersen, Market President of UMB Bank Utah–

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  • A closer look at UMB in Texas

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  • Aaron Randolph Larson Financial

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Steadfast values

UMB is more than a financial institution. It’s a collection of people with personality, passion and a commitment to what’s right.

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family planning healthcare spending

Health Savings Accounts

Healthy financial plans include an HSA

A health savings account (HSA) is a smart tool that can help you prepare for your current and future qualified medical expenses.

Learn more

Healthy financial plans include a health savings account (HSA)

Partner with a leading HSA provider

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    Which bank account is right for you?

    There are many different accounts where you can place your money, but what do they all mean and how can you use them to your advantage? Types of bank accounts Checking account Your checking account is a foundational piece of...

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  • Health savings HSA faqs

    Learning the basics: Health savings account (HSA) FAQs

    Opening an HSA can come with a confusing amount of information. Here, we answer some of your most common questions about HSA’s. Review and familiarize yourself with how HSAs work so you can feel confident when using this unique financial...

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  • HSAs evolving beyond basics

    HSAs are evolving: Here’s what to know beyond the basics

    Medical care is very personal, and so are the expenses that go along with it. Many eligible individuals choose to manage their medical care costs with a health savings account (HSA). According to the Consumer Financial Protection Bureau ‡, there...

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  • HSAs grow confidence retirement

    HSAs can help grow confidence in retirement planning

    Despite the increase in boomers retiring, 22% of retirees feel not too confident, or not at all confident, in their ability to live comfortably in retirement, according to the 2024 Employee Benefits Research Institute (EBRI)‡ Retirement Confidence survey. This lack...

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  • younger generations hsa

    How Millennials and younger generations can take advantage of their HSAs

    Historically, those approaching or entering retirement have significantly underestimated their cost of living, particularly when it comes to healthcare. This trend is beginning to change, however, with younger generations getting ahead of future expenses by exploring a wider range of...

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What are the differences between an HSA, HRA, and FSA?

Understand the key differences between Health Reimbursement Accounts (HRAs), Health Savings Accounts (HSAs), and Flexible Spending Accounts (FSAs).

View comparison chart

Talk to a UMB Sales Representative

Regional UMB Sales Representatives are available for assistance with partner support, employer support, and HDHP/HSA education.

About UMB Healthcare Services

UMB Healthcare Services, a division of UMB Bank, n.a., delivers healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.

Learn more

UMB by the numbers

As an established leader in the financial healthcare service industry, UMB brings a wealth of expertise to the full spectrum of benefit account administration.

  • SVG

    110 years of financial leadership

  • SVG

    More than 5.8 million Healthcare cards in circulation

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    Nearly 1.5 million Health savings accounts totaling more than $3.75 billion in assets and deposits

CONTACT US

Please contact UMB Healthcare Services with any questions or comments.

Individuals: 866.520.4HSA (4472)

Employers: 855.664.4160

Partners: 888.677.1115

Customer service representatives are available:
Monday through Friday, 7 a.m. to 7:30 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT
Automated account information is available 24-hours a day.

Mailing Address: UMB Bank, n.a., UMB Healthcare Services, P.O. Box 419226, Kansas City, MO 64141

Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.

Benefit spending accounts are NOT deposits or obligations of UMB Bank, N.A. and are NOT insured by the FDIC.

High-Deductible Health Plans constitute insurance products, which are not offered by UMB Bank, n.a. and are not FDIC-insured.

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