COVID-19 (coronavirus) Preparation Information

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As the situation unfolds, we have made some operational decisions that help protect our associates and customers, which are outlined below. Rest assured that our core operating processes and commitments remain in place, even with these restrictions on social interactions

We will continue to serve you and service your accounts as we always have—even though it may be over the phone, via email, or through a window.

  • UMB branches are operating as drive-thru only, from 10 a.m-4 p.m. Monday-Friday, until further notice. Saturday hours may vary.
  • All UMB-sponsored events scheduled through May 31 are cancelled. This includes associate and customer events at UMB and non-UMB locations. We will update this page in the coming weeks regarding events scheduled beyond May 31.
  • We have suspended all international business travel to affected regions as defined by the CDC's Travelers' Health Notices. We are also suspending associate attendance at any work-related conferences, seminars, conventions or other large-group events. This impacts events taking place through May 31.
  • We have implemented a 14-day self-quarantine for associates who have been exposed to the coronavirus based on tiered exposure levels.

We are here to help

At UMB, we work with our customers to help during any financial hardships, particularly those in which the situation is outside of their control. If you experience financial hardship due to COVID-19, please contact us at 800.860.4862 to discuss how we can help. UMB can provide individualized payment flexibility on mortgages, home equity or personal loans, credit cards, and small business loans based on need. Access to additional credit lines may be made available based on individual situations.

Some specific programs we're ready to offer include:

  • Options for consumer loan and mortgage payment deferment or modifications on an individual, customized basis.
  • Options to increase mobile deposit limits.
  • Individualized, flexible credit card repayment and payment deferral options, as well as a balance transfer opportunity.
  • Access to additional credit lines extended on a case-by-case basis.
  • Six-month term loan payment deferral option for current small business customers.
  • Counsel on the SBA Disaster Assistance Program and other state and local programs.
  • A 90-day moratorium on initiating foreclosure activity on all mortgages and home equity lines and loans.

UMB is built on a 107-year foundation of stability and soundness. Rest assured that we will continue to deliver the unparalleled customer experience, no matter what.

Banking with UMB

Our customers can bank virtually anywhere, anytime with the UMB Bank app and View helpful information and online tutorial videos by visiting our Online Banking Help Page

If you haven't already:

This will allow you to:

  • Access your accounts and see your balances, transactions and other important details
  • Deposit checks, make payments and transfer funds
  • Update your personal details

Additionally, our branch associates are here to assist. Find a branch or ATM near you.

If you are a Business Banking, Commercial Banking or Treasury Management customer, visit for more business-specific information.

Key questions and answers

Are you still open during the stay-at-home mandate? / Can I still bank?
We want to assure you that we are still here, open and prepared to financially serve you. We will remain open to assist you—even during state or governmental stay-at-home mandates because banking is an essential service. As an essential service, we are exempt from following shelter-in-place policies.

Who are you relying on for your information?
We are working with various trade groups and clients such as yourself, but also rely heavily on external parties including the World Health Organization (WHO), the Centers for Disease Control (CDC), the Department of Health and Human Services (HHS), the State Department (State) and local health departments for their guidance and any restrictions they put in place that may supersede our current planning.

Are you continuing to update your planning?
We have activated a task force crossing multiple areas within UMB to ensure we're prepared for COVID-19 and other similar events. This task force, which reports updates to executive management, is addressing topics such as potential travel and/or visitor restrictions, impacts on current absence policies, third-party readiness and additional cleaning and hygiene needs. We will continue working with internal business partners to assess their planning as this unique situation continues to develop.

Has UMB done any prior planning for a pandemic-type event?
Part of our standard business continuity practices is to conduct annual tabletop exercises, including pandemic response situations, and our latest exercise took place in in December 2019 to a team of managers across the company. This exercise has been made available to other departments across UMB for their preparedness as well. We have been conducting pandemic preparation exercises since 2000.

What is UMB doing to avoid payment processing issues?
Customers should not expect an interruption to UMB payment services as a result of the coronavirus situation, including your ability to send or receive payments such as payroll processing, immediate payments via wire transfer, card payments and payment receivables. Visit for more business-specific information.

Does this affect how I bank?
Our online banking and mobile applications remain available 24/7 for your convenience. You can check balances, view transactions and make payments without any interruption, just as you're used to. If you need to speak with your account manager, feel free to connect with them over the phone.

Has UMB enacted their business continuity/pandemic plans?
We're continuing to closely monitor the COVID-19 situation and proactively adapt our operations in accordance with our business continuity plans and our customer needs, so we have continuous delivery of critical processes. Some of these actions include implementing virtual meetings, requiring remote working options for non-essential associates, geographic disbursement, social distancing and relying on technology to keep in touch with each other and you. We have also restricted access to UMB's technical and operations centers to individuals assigned to work at those specific locations.

Does your planning include alternate worksites or work-from-home options?
Our planning allows for departments to take advantage of their assigned alternate worksites and work-from-home strategies as appropriate. We have implemented strategies designed to decentralize critical processes as possible, including implementing virtual meetings, requiring remote working options for non-essential associates, geographic disbursement, social distancing. We will continually monitor service levels to make sure customers continue to receive the service they are used to.

How are you safeguarding your physical locations?
To safeguard our most critical locations, we have restricted visitor and associate access to essential staff only. For our branch locations, we are directing all traffic through the drive-thrus unless a face-to-face meeting is required (these are by appointment-only). We will continue to follow government directives as they are focused on the financial sector, while still striving to provide the highest levels of service available.

Speak with someone

If you have questions about COVID-19 as it relates to your relationship with UMB, please connect with your account manager or banker.

If you have a media inquiry, please contact Stephanie Hague, executive vice president and director of external communication at 816.860.5088.


Help stop the spread of germs

  • Wash your hands often with soap and water for at least 20 seconds.
  • Avoid close contact with people who are sick.
  • Cough or sneeze into your elbow, arm or a tissue (not your hand). Throw the tissue in the trash.
  • Avoid touching your eyes, nose and mouth.
  • Clean and disinfect frequently touched objects and surfaces.
  • Stay home when you are sick, except to get medical care.

Please log in to your online account and ensure your contact details are up-to-date. This information helps us communicate changes with you quickly.

Updated March 27, 2020 at 4:45 pm CST

How we're serving you

We want to assure you that we are still available and prepared to financially serve all of you.

Because banking is considered an essential business, we are exempt from public health orders such as recently enacted shelter-in-place orders. We will remain open and available to you, while still ensuring we provide the highest measures of health and safety for our associates and customers.

Please refer to our branch locator feature for the most up-to-date branch hours. We will always post our most current information on this page.

If you are a business customer, visit for more business-specific information.

COVID-19 impact on Health Savings Accounts

COVID-19 testing and treatment are HSA eligible

To remove barriers to the testing and treatment of COVID-19, the IRS issued Notice 2020-15 that allows high deductible health plans (HDHP) not to fail to be an HDHP merely because the health plan provides health benefits associated with testing for and treatment of COVID-19 without a deductible, or with a deductible below the minimum deductible (self only or family) for an HDHP.

Therefore, an individual (or family) covered by the HDHP will not be disqualified from being eligible to make tax-favored contributions to a health savings account (HSA).

New Health Savings Account eligible items

The Coronavirus Bill has been signed into law and includes the following additional HSA eligible items:

Telehealth: the law adds payments for "telehealth and other remote care services" as HDHP/HSA eligible. This provision is effective immediately and will last until December 31, 2021.

Over-the-Counter Drugs (OTC) and Menstrual Care Products: the law reinstates the ability to pay for certain OTC drugs and medicines with an HSA, FSA and HRA without a prescription from a physician. It also adds the ability to pay with an HSA, FSA and HRA, expenses for menstrual care products without a prescription from a physician. This provision will be effective for amounts paid after December 31, 2019 and for reimbursements of expenses incurred after December 31, 2019. Unlike the telehealth provision, this provision does not have an expiration date.

2019 HSA contributions extended to new tax filing deadline

The Internal Revenue Service (IRS) announced (view notice) it would be extending the Federal income tax filing and payment deadline from April 15 to July 15, 2020 as part of the COVID-19 relief strategy.

As a result, you may still make prior year (2019) contributions to your Health Savings Account (HSA) up to the 2019 maximum contribution limits: $3,500 for individuals and $7,000 for family coverage, through July 15, 2020. If you are 55 or older you can contribute an additional $1,000.

Please note: The notice did not address an extension to withdraw excess HSA contributions or an extension for custodians who are required to file Federal information returns, such as Form 5498-SA. Unless the IRS issues future guidance, the existing deadlines will apply and UMB will file Form 5498-SA by May 31, 2020 for contributions through April 15, 2020.

Check back with this page for continued updates.

For additional information visit or contact your tax professional.