UMB Bank Routing Number (2026) — ACH, Wire & Direct Deposit
Use the routing number printed on your own check — the first group of nine digits in the bottom-left corner. It is the only number guaranteed to be right for your account. UMB Bank has more than one, and no list on any website can tell which one is yours. Your UMB Bank app and online banking show it too, and 1-800-860-4862 will confirm it. A wrong routing number sends your money to the wrong institution.
We are deliberately not printing a single "UMB Bank routing number" for direct deposit. The Federal Reserve registers 33 numbers to UMB Bank, N.A. and only one of them belongs to your account. The number on the bottom-left of your own check is the only authoritative answer.
Why UMB Bank has the routing numbers it does
UMB is a Kansas City bank with an outsized institutional and healthcare-payments business relative to its retail branch count, which is why it appears in Federal Reserve records across more states than its consumer footprint suggests.
UMB Bank routing numbers registered with the Federal Reserve
Each row below is a live record from the Federal Reserve's Fedwire participant directory. The location column is the Fedwire telegraphic location the Federal Reserve holds for that number — the Fed's own processing site for it. For a bank this size it is not the state whose accounts use the number, and it should not be read as one. Nothing on this page can tell you which of these is attached to your account: use the nine digits printed on the bottom-left of your own check.
| Routing number | Registered to | Fedwire location | Fed district | Networks |
|---|---|---|---|---|
| 071925554 | UMB BANK, NA | Denver, CO | Chicago | Wire ACH |
| 073900535 | UMB BANK, NA | Denver, CO | Chicago | Wire ACH |
| 075907594 | UMB BANK, NA | Denver, CO | Chicago | Wire ACH |
| 101101950 | UMB BANK, NA | Denver, CO | Kansas City | Wire ACH |
| 107006541 | UMB BANK, NA | Denver, CO | Kansas City | Wire ACH |
| 111319347 | UMB BANK, NA | Denver, CO | Dallas | Wire ACH |
| 121143273 | UMB BANK, NA | Denver, CO | San Francisco | Wire ACH |
| 122106015 | UMB BANK, NA | Denver, CO | San Francisco | Wire ACH |
| 107005953 | UMB BANK, NA | Kansas City, KS | Kansas City | Wire ACH |
| 081009813 | UMB, NA | Saint Louis, MO | St. Louis | Wire ACH |
| 091018302 | UMB BANK, N.A. | Kansas City,, MO | Minneapolis | Wire ACH |
| 101000695 | UMB, NA | Kansas City, MO | Kansas City | Wire ACH |
The Federal Reserve additionally registers 21 ACH-only routing numbers to UMB Bank, N.A. that are not eligible for Fedwire. These are almost entirely legacy numbers inherited from acquired institutions and are still valid for receiving direct deposit, but cannot be used to receive a wire. We do not list them individually because the only one that matters is the one printed on your own check.
A routing number sends money to an institution, not to a person. If it is wrong the payment goes somewhere else. Before you transact, confirm the number against the bottom-left of your own check, your UMB Bank app, or UMB Bank's official page.
Which number do you actually need?
| You are doing this | Use | Arrives |
|---|---|---|
| Setting up direct deposit or paying a bill | The ACH number on your check | 1–3 business days |
| Receiving a domestic wire | Ask the bank | Same business day |
| Receiving money from outside the US | Correspondent bank instructions | 1–5 business days |
US accounts do not have IBANs. If an overseas sender's form demands one, that form was built for Europe — give them the SWIFT/BIC plus your routing and account number instead. See SWIFT vs routing number.
US cards and accounts on Buzdy
We do not list products for UMB Bank itself. These are US cards and accounts from banks we do cover.
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UMB Bank routing number — questions
What is the UMB Bank routing number?
There is no single one. The Federal Reserve registers 33 routing numbers to UMB Bank, N.A., mostly inherited from banks it has acquired. For direct deposit use the nine digits on the bottom-left of your own check.
Is the UMB Bank wire routing number the same as the ACH number?
Not always. ACH routing numbers move direct deposits and bill payments over the automated clearing house, usually settling in one to three business days. Wire routing numbers move same-day funds over Fedwire. Of the 33 numbers the Federal Reserve registers to UMB Bank, N.A., 12 are Fedwire-eligible and 21 are ACH-only. Using an ACH-only number for an incoming wire is one of the most common reasons transfers are returned.
What is the UMB Bank SWIFT code?
UMB Bank does not publish a retail SWIFT/BIC code in the sources we verify against. International payments into this account will normally route through a correspondent bank, so ask UMB Bank for its full incoming-wire instructions rather than relying on a code found online.
How do I find my own UMB Bank routing number?
Read the first group of nine digits in the bottom-left corner of a check, open your account details in the UMB Bank app or online banking, or call 1-800-860-4862. Any of these three is specific to your account; a general list is not.
How we checked this page
Every routing number above was read directly from the Federal Reserve Banks' E-Payments Routing Directory — the FedACH and Fedwire participant directories, which are the systems of record for US routing numbers. We query both directories by institution name, keep only records the Federal Reserve returns under UMB Bank, N.A., and validate every number against the ABA check-digit formula. Numbers that fall out of the directory are removed rather than carried forward. We do not publish a number we could not confirm.
SWIFT/BIC codes are not part of the Federal Reserve directory and are shown as published by the bank itself, labelled as such. Last checked against the Federal Reserve directory on 29 July 2026.
Related guides
Buzdy is not affiliated with UMB Bank, N.A.. Routing numbers are reproduced for reference from public Federal Reserve records; always confirm with your bank before moving money.