Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 45

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 45
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incorporated by reference in those documents. You may request a copy of any document incorporated by reference into this prospectus (including exhibits to those documents specifically incorporated by reference in this document), by contacting us at
the following address or telephone number:

UMB Financial Corporation

Attn: Corporate Secretary

1010 Grand Boulevard

Kansas City, Missouri 64106

(816) 860-7000

Our SEC filings also are available on our website at www.umb.com. Except for the documents specifically incorporated by reference into this
prospectus, our website and information contained or accessed through our website do not constitute a part of this prospectus. We have included our website address only as inactive text and do not intend it to be an active link to our website.

36

PART II INFORMATION NOT REQUIRED IN PROSPECTUS Item 14. Other Expenses of Issuance and Distribution. Set forth below is an estimate of the amount of fees and expenses to be incurred in connection with the issuance and distribution of the offered securities, other than underwriting discounts and commissions.

| Securities and Exchange Commission Registration Fee |     | $ | *  |
| Legal Fees and Expenses                             |     |   | ** |
| Accounting Fees and Expenses                        |     |   | ** |
| Printing and Engraving Expenses                     |     |   | ** |
| Trustee Fees (including counsel fees)               |     |   | ** |
| Transfer Agent Fees and Expenses                    |     |   | ** |
| Rating Agency Fees                                  |     |   | ** |
| Miscellaneous Fees and Expenses                     |     |   | ** |
| Total                                               |     | $ | ** |

| * | In accordance with Rules 456(b) and 457(r) of the Securities Act, we are deferring payment of the registration 
 fee for the securities offered by this prospectus.                                                             |

| ** | These fees are calculated based on the securities offered and the number of issuances and accordingly cannot be                                        
 estimated at this time. The applicable prospectus supplement will set forth the estimated amount of expenses in respect of any offering of securities. |

Item 15. Indemnification of Directors and Officers. Liability and Indemnification of Directors and Officers Missouri Revised Statutes (RSMo) Section 351.355 provides as follows: 1. A corporation created under the laws of this state may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action