Founded in 1913, UMB Bank is a full-service bank that provides personal, commercial, corporate and investment banking services. It is a part of UMB Financial Corporation, which is a multibank holding company that provides leasing, investing and other financial services. UMB Bank offers savings and transaction accounts, certificates of deposit, individual retirement accounts and trust services. Additionally, it offers credit cards, ATMs, mutual funds, insurance, lockers, foreign currency exchange services, and traveler s and gift checks. The bank provides a variety of personal, commercial, agriculture and real estate loans. Its investment services group deals with discount brokerage, consulting and insurance services. Headquartered in Kansas City, Mo., UMB Bank also maintains a branch in Topeka, Kan.