UMB Bank routing numbers

UMB Bank's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, UMB Bank uses 101 000 695 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Yes. UMB Bank assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a UMB Bank check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.

Your routing number is the first 9 digits in the bottom-left of a UMB Bank check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

UMB Bank, National Association is a bank headquartered in Kansas City, MO.

Every number passes the standard ABA checksum. 3 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with UMB Bank before sending money.

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by UMB Bank, National Association.