UMB Financial Corporation, through its subsidiaries, provides various banking and other financial products and services in the United States and internationally. It operates through four segments: Bank, Payment Solutions, Institutional Investment Management, and Asset Servicing. The Bank segment offers a range of banking services to commercial, retail, government, and correspondent bank customers through its branches, call center, Internet banking, and ATM network. Its services comprise traditional commercial and consumer banking, treasury management, leasing, foreign exchange, merchant bankcard, wealth management, brokerage, insurance, capital markets, investment banking, corporate trust, and correspondent banking. The Payment Solutions segment provides consumer and commercial credit and debit card, prepaid debit card solutions, healthcare services, and institutional cash management. Its healthcare services include health savings and flexible savings account products for healthcare providers, third-party administrators, and large employers. The Institutional Investment Management segment offers equity and fixed income investment strategies in the intermediary and institutional markets through mutual funds, traditional separate accounts, and sub-advisory relationships. The Asset Servicing segment provides various investment products comprising mutual funds, alternative investments, and managed accounts for the asset management industry. Its services comprise fund administration, fund accounting, investor services, transfer agency, distribution, marketing, custody, alternative investment services, managed account services, and collective and multiple-series trust services. The company operates through a network of branches and offices in Missouri, Kansas, Colorado, Illinois, Oklahoma, Arizona, Nebraska, Pennsylvania, South Dakota, Indiana, Wisconsin, Utah, Texas, and Massachusetts states. The company was founded in 1967 and is headquartered in Kansas City, Missouri.