UMB Bank is one of the largest independent banks in the United States. It is a part of UMB Financial Corporation, which is a financial holding company that offers banking and related financial services to individual and business customers. It owns and operates more than 140 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. UMB Bank provides a wide range of financial services and products, such as certificates of deposit, loans, checking and savings accounts, Visa credit cards and individual retirement accounts. The bank also offers other services and products that include savings bonds, funds transfers, money orders, night depository services, overdraft protection, safe deposit boxes and telephone banking. It has a branch located in Springfield, Mo.