UMB Bank

HSA Program Features

FDIC or NCUA Insured:
  • Debit Card
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$1 - $4,999.99 0.01%
$5,000 - $14,999.99 0.07%
$15,000 - $24,999.99 0.10%
$25,000.00+ 0.15%
Last checked on: 08-31-2022. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $2.95*
Account Opening Fee $0.00
Account Closing Fee $15.00

* Wavied on a balance of $3,000 or more

Fees may not be current, please check the provider's website for the latest fee information.

HSA Investment Options

Mutual Fund Platform: check_box   Self-Directed Brokerage: close   CDs: close   Other: check_box

Mutual Fund Details

Investment Threshold: $1,000
Investment Fee: $3.00 / Month
The UMB Health Savings Account (HSA) gives you the opportunity to select and manage your investments through UMB HSA Saver® an online investment account. UMB HSA Saver makes investing:
  • Simple. You decide how much and how often to invest for one low monthly fee, no fund minimums and no trading fees.
  • Fast. It only takes a few minutes to enroll and get started. It’s as easy as shopping online.
  • Smart. Backed by UMB’s1 experience and insight, HSA Saver is a powerful tool that just made investing a whole lot easier.

Other Investment Option Details

1UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver® Investment Program. UMB Investment Management is a department of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation.

Investments in securities through the HSA investment account are:
Not FDIC Insured • May Lose Value • No Bank Guarantee

UMB Custody Services provides safekeeping and settlement of the mutual fund investments in the UMB HSA Saver investment program. UMB Custody Services is a division of UMB Bank, n.a.

Contact Information

General Information


Customer Service

Mailing Address UMB Bank, n.a.
UMB Healthcare Services
P.O. Box 419226
Kansas City, MO 64141
Phone Number 866.520.4HSA (4472)