# UMB Bank

**Canonical:** https://apis.io/providers/umb-financial/  
**Website:** https://www.umb.com/  
**APIs profiled:** 1

UMB Bank, National Association is the primary banking subsidiary of UMB Financial Corporation (Nasdaq ticker UMBF), a Kansas City, Missouri financial services holding company. UMB is a commercial bank operating under a national (federal) bank charter supervised by the Office of the Comptroller of the Currency (OCC), with roughly $70 billion in assets following its 2025 acquisition of Heartland Financial and branches across the central United States. It offers personal, commercial, and institutional banking, including asset servicing, corporate trust, and healthcare (HSA) services. UMB runs a partner-facing open-banking and Banking-as-a-Service (BaaS) program through its Institutional & Fintech Banking group, exposing REST APIs across risk & compliance, customer onboarding, accounts, information (statements/check images), and cash management. Access is partner-gated through a consultation and contracting process — there is no public self-serve developer portal, no publicly downloadable OpenAPI/Swagger specification, and no published FDX or CFPB 1033 posture. Consumer-permissioned account data is reached primarily through the Plaid aggregator rather than a first-party public API.

## Kin Score — 15.9 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 15.9).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **UMB Banking APIs (Open Banking / BaaS)** — UMB's partner-facing open-banking and Banking-as-a-Service REST API program, documented across five areas — Risk & Compliance (retrieve questions required for new customer appli...

## Security (1)

- **Umb Financial Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Open Finance, Banking as a Service, Institutional Banking, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/umb-financial/). Scores are computed from the provider's own public artifacts under a published rubric.