UMB Bank, n.a., acquired HTLF Bank via merger in early 2025, and the name change marks part of an exciting, intentional period of transition.

In the coming months, we’ll provide more details about the transition to UMB and system conversion slated for later in 2025. That’s when we’ll integrate our systems, providing customers with access to an expanded offering of UMB financial services and solutions.

More information about the acquisition
HTLF Bank is now operating as UMB Bank, n.a., and the following divisions are now operating as divisions of UMB Bank, n.a.:
Arizona Bank & Trust
Bank of Blue Valley
Citywide Banks
Dubuque Bank & Trust (DB&T)
First Bank & Trust Texas
Illinois Bank & Trust
Minnesota Bank & Trust
New Mexico Bank & Trust
Premier Valley Bank
Wisconsin Bank & Trust

If you’d like more information about this transition, please visit UMB Investor Relations.

UMB and HTLF have similar values and cultures, with a shared focus on building personal relationships with our associates, customers and communities. With the acquisition, UMB has approximately $66 billion in assets (based on assets as of Sept. 30, 2024) and a broad reach, designed to offer our clients expanded banking opportunities.

After the transition is complete later in 2025, clients will have access to a comprehensive array of UMB banking services and solutions.

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.

UMB is led by Chairman and Chief Executive Officer Mariner Kemper, a fifth-generation banker and the sixth Kemper CEO. Starting with a single bank founded in 1913, UMB has a solid foundation of relationship-based service and prudent business practices: 

• The UMB business model emphasizes diverse revenue sources, high-quality credit and a strong balance sheet.
 
• UMB has strong capital levels and a very strong liquidity position, along with a loan-to-deposit ratio that allows us to be there for customers during times of need
   

Right now, it’s business as usual. Please keep using your existing routing number, debit and credit cards, checks, etc., and continue to bank as you bank today. Your scheduled, automatic payments also stay the same for now. Most clients will be able to keep their same account numbers at this time. If your account number changes, we will notify you.

If you need to take action as a result of the acquisition, we'll provide you with additional information. We’ll also provide direct communication about the transition as we have more details, so please: 

• Make sure your contact information is up to date. Review your mail and email addresses, mobile and home phone numbers for all your accounts.
 
• Read your mail and email. We’ll keep you updated on changes and action items for your accounts.
  
• Bookmark or save the link to this resource center. We’ll provide conversion news and applicable training information on this site, so please check back regularly.

Existing accounts, checks, debit and credit cards, and services like direct deposit and automated payments continue to work as they do today for most customers. We'll notify customers separately if there are any changes. You can continue to access your accounts as you normally do, including your current online banking access and mobile banking app.

You can also continue to contact your relationship manager, business banker, or customer care center for your banking needs and questions. Your branch banking hours are still the same as well.

Today, it’s mostly a change in our name and logo. As we continue the transition, you’ll begin to see the name change on statements, marketing materials and other documents.

Please continue to work with your current banker or relationship manager and call the numbers you call now for support.

For general questions, you can also contact your customer care center:

If you bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you bank with UMB, please call:

• UMB Commercial Banking 866.204.3913
• UMB Personal Banking 800.860.4862
• UMB Healthcare Services 866.520.4472

Right now, you should continue to access your accounts and account information the way you do today. As we complete the transition to UMB later in 2025, we’ll provide more details about how to access your accounts and what information will be available in the new systems.

Data security and privacy is a vital part of our commitment to customer service. We are especially mindful of this during times of transition and exercise careful planning and oversight. Please read these helpful tips on how to protect yourself from fraud:

Data Security
Your bank and UMB will never contact you to request or confirm confidential data like your account numbers, card numbers or Social Security number. We'll never request a live video call (e.g., FaceTime) to confirm fraudulent activity. And we’ll never ask for your debit card PIN or online credentials (usernames, passwords, access codes, etc.). Be sure to keep all your authentication information private and secure.

If someone contacts you claiming to represent UMB and something doesn’t seem right, don’t provide any information. Instead, please contact your current customer care center to verify that there is a legitimate reason for the contact.

If you currently bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you currently bank with UMB, please call:

• UMB Commercial Banking 866.204.3913
• UMB Personal Banking 800.860.4862
• UMB Healthcare Services 866.520.4472

Data Privacy
Until the transition to UMB is complete later in 2025, HTLF Bank privacy policies will be in effect for customers of the following divisions: Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust.

For more information, please read the HTLF Privacy Policy and Disclosures.

Please continue to bank where you bank today. While your bank branches are now part of UMB, they will continue to operate separately until we combine our technology and systems later in 2025. At this time, you cannot bank at UMB branches.

However, after the transition is complete, you can visit any UMB branch and conduct your transactions seamlessly.

Yes! You can use your existing debit card at any UMB ATM free of charge. * UMB also belongs to the Allpoint® ATM network. For a list of UMB ATMs, go to Locations.UMB.com.

UMB customers can also use their cards at available HTLF ATMs without a surcharge.

*Please note that HTLF customers will not have surcharge-free access to ATMs on the Allpoint Network until the system conversion later in 2025. You may also be charged a transaction fee when using Allpoint ATMs depending on your account type and the transaction type.

For now, you continue to have access to the same online banking system and information you have today. However, you'll start to see UMB branding on certain online content and legal disclosures. We’ll keep you updated on any anticipated changes ahead of the system conversion slated for later in 2025.

Yes, your statements will continue to print, and eStatements will be posted at the same time each month. We’ll keep you updated on any anticipated changes ahead of the system conversion slated for later in 2025.

The interest rate on your existing CD stays the same until your CD matures. At the time of renewal, you will still receive your Renewal/Maturity Notice with information on how to determine the new rate and will have 10 days after the maturity date to withdraw the funds without penalty. If you choose the automatic renewal, your CD will then renew at the rate in effect at that time.

Generally speaking, deposits held at HTLF Bank are separately insured from deposits at UMB Bank for six months after the merger, which occurred on February 1, 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 edie.fdic.gov.

No, nothing changes with your loan at this time. Please continue with your current payment plan and continue to make payments as you do today.

Please continue to work with your current banker and call the numbers you call now for support.

For general questions, you can also contact your customer care center:

If you bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you currently bank with UMB, please call:

• UMB Personal Banking 800.860.4862
• UMB Healthcare Services 866.520.4472

How does this transition benefit me as an HTLF Wealth client?

After the conversion later in 2025, you will have access to an expansive suite of UMB Private Wealth resources, including:

• Financial planning, estate/trust and charitable/philanthropy services
• Additional investment solutions, including Separately Managed Accounts (SMAs) and expanded Alternative Investments
• Specialized expertise and advice, including a team dedicated to unique asset administration (such as property management) for fiduciary accounts (trust and estates).

Is there anything I need to do right now?

For most Wealth clients, there’s generally nothing you need to do right now. In the coming months, UMB will provide you with key information about how the new bank will serve you. You may also receive formal notifications related to the acquisition. These notifications will be specific to you and the types of accounts you currently have with HTLF.

What is changing for my Wealth accounts right now?

You’ll start to see UMB branding on documents, online content and certain legal disclosures.

For our HTLF Retirement Plan Services clients, we have discontinued the DB&T fund as part of continued evaluation of fund lineup changes for existing clients. If you have any questions about this change, please contact your current HTLF RPS advisor.

I have more questions about this acquisition and what it means for my Wealth accounts. Who can I talk to about that?

Please continue to contact your Wealth advisor to discuss any comments, questions or concerns you may have related to the acquisition. Your current advisor also remains your primary contact for your individual account needs and day-to-day business.

What does this transition mean for my HSA?

Please continue to use your HSA and access your account as you do today. However, exciting changes are on the way after the conversion later in 2025. At that time, you’ll have access to a variety of resources available from the UMB Healthcare Services (HCS) team.

UMB HCS delivers healthcare payment solutions, including custodial services for HSAs and private labels, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.

As one of the first banks to offer HSAs, UMB has a deep understanding of the industry and the services that offer the most benefit to our customers. After conversion, you’ll gain access from expansive new HSA features, including:

An online account administration portal, so you can track expenses, submit receipts and access tax forms
Curated investment options for individuals whose HSAs meet minimum balance requirements
Account support from experienced UMB HCS customer service team

What’s not changing for my HSA?

Right now, please continue to use your existing account number and HSA card and to contact the same service team for support, just as you do today.

During the transition, you’ll continue to have a holistic account view and access to your HSA through your current online banking portal. Your account funds will continue to be FDIC-insured.

We’ll keep you updated on any anticipated changes with the conversion slated for later in 2025.

Data security and privacy is a vital part of our commitment to customer service. We are especially mindful of this during times of transition and exercise careful planning and oversight. Please read these helpful tips on how to protect yourself from fraud:

Data Security
Your bank and UMB will never contact you to request or confirm confidential data like your account numbers, card numbers or Social Security number. We'll never request a live video call (e.g., FaceTime) to confirm fraudulent activity. And we’ll never ask for your debit card PIN or online credentials (usernames, passwords, access codes, etc.). Be sure to keep all your authentication information private and secure.

If someone contacts you claiming to represent UMB and something doesn’t seem right, don’t provide any information. Instead, please contact your current customer care center to verify that there is a legitimate reason for the contact.

If you currently bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you currently bank with UMB, please call:

• UMB Commercial Banking 866.204.3913
• UMB Personal Banking 800.860.4862
• UMB Healthcare Services 866.520.4472

Data Privacy
Until the transition to UMB is complete later in 2025, HTLF Bank privacy policies will be in effect for customers of the following divisions: Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust.

For more information, please read the HTLF Privacy Policy and Disclosures.

Known for offering “big bank opportunities with a small bank feel,” UMB has long-standing, trusted relationships with businesses across the U.S. Every business, regardless of size, has direct, personal access to a UMB client relationship manager. We have the ability to scale as our clients' businesses grow and advocate for them every step of the way.

With regional leadership and decision-making, we're also deeply committed to uplifting our local markets and community culture.

Please continue to bank where you bank today. While your bank branches are now part of UMB, they will continue to operate separately until we combine our technology and systems later in 2025. At this time, you cannot bank at UMB branches.

However, after the transition is complete, you can visit any UMB branch and conduct your transactions seamlessly.

Yes! You can now use your existing debit card at any UMB ATM free of charge. UMB also belongs to the Allpoint® ATM network.* For a list of UMB ATMs, go to locations.umb.com.

UMB customers can also use their cards at available HTLF ATMs without a surcharge.

*Please note that HTLF customers will not have surcharge-free access to ATMs on the Allpoint Network until the system conversion later in 2025. You may also be charged a transaction fee when using Allpoint ATMs depending on your account type and the transaction type.

For now, please continue to use your current online banking system and credit card platform, including EzBusiness and Visa Spend Clarity. Your username, password and access to the site are not changing at present. However, you'll start to see UMB branding on certain online content and legal disclosures. We’ll keep you updated on any changes as we approach the system conversion slated for later in 2025.

Yes, your statements will continue to print, and eStatements will be posted at the same time each month. We’ll keep you updated on any anticipated changes with the system conversion slated for later in 2025.

No, nothing changes with your loan at this time. Please continue with your current payment plan and continue to make payments as you do today.

Please continue to work with your current banker and call the numbers you call now for support.

For general questions, you can also contact your customer care center:

If you bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you currently bank with UMB, please call: UMB Commercial Banking 866.204.3913

Generally speaking, deposits held at HTLF Bank are separately insured from deposits at UMB Bank for six months after the merger, which occurred on February 1, 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 edie.fdic.gov.

Data security and privacy is a vital part of our commitment to customer service. We are especially mindful of this during times of transition and exercise careful planning and oversight. Please read these helpful tips on how to protect yourself from fraud:

Data Security
Your bank and UMB will never contact you to request or confirm confidential data like your account numbers, card numbers or Social Security number. We'll never request a live video call (e.g., FaceTime) to confirm fraudulent activity. And we’ll never ask for your debit card PIN or online credentials (usernames, passwords, access codes, etc.). Be sure to keep all your authentication information private and secure.

If someone contacts you claiming to represent UMB and something doesn’t seem right, don’t provide any information. Instead, please contact your current customer care center to verify that there is a legitimate reason for the contact.

If you currently bank at Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust, please call 833.982.0039.

If you currently bank with UMB, please call:

• UMB Commercial Banking 866.204.3913
• UMB Personal Banking 800.860.4862
• UMB Healthcare Services 866.520.4472

Data Privacy
Until the transition to UMB is complete later in 2025, HTLF Bank privacy policies will be in effect for customers of the following divisions: Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank & Trust (DB&T), First Bank & Trust Texas, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, or Wisconsin Bank & Trust.

For more information, please read the HTLF Privacy Policy and Disclosures.