UMB Bank, n.a. offers banking services. It provides checking, savings, and CDs; credit cards; commercial, installment, and small business loans; home equity lines of credit, letters of credit, mortgages, and loan syndication services; and asset-based financing and securitization, equity and mezzanine financing, factoring, private and public placement of senior debt, and merger and acquisition consulting. The company offers account reconciliation, controlled disbursements, lockbox, and card products and services; health saving account and flexible savings account products for healthcare providers, third-party administrators, and employers; and securities transfer, dividend disbursing/reinvestment, employee stock purchase plans, and proxy services. In addition, the company provides bond trading transactions, account processing, investment portfolio accounting, and compliance education, as well as bank dealer functions for correspondent banks in the Midwest; trust and custody services to personal and institutional clients; corporate trust services, such as serving as corporate and municipal bond trustee, and as the paying agent/registrar for issued bonds and notes; insurance services; and services for mutual funds, partnerships, and commingled funds to investment advisors, independent money managers, broker/dealers, banks, third-party administrators, and insurance companies. Further, it offers fund administration and accounting, transfer agency, cash management, and marketing and distribution services. The company also serves individuals, estates, business corporations, government bodies, and public authorities. It delivers products and services through bank branches, call center, Internet and telephone banking, and automated teller machine network. UMB Bank operates banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, and Nebraska. The company is based in Kansas City, Missouri. UMB Bank, n.a. operates as a subsidiary of UMB Financial Corp.