Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 98

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 98
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 a receivership, insolvency, liquidation or similar proceeding. We will describe in the applicable prospectus supplement the other terms and conditions, if any, upon which any series of subordinated securities is subordinated to debt securities of another series or to our other indebtedness. The terms will include a description of:

| • |     | the indebtedness ranking senior to the debt securities being offered; |

| • |     | the restrictions, if any, on payments to the holders of the debt securities being offered while a default with 
 respect to the senior indebtedness is continuing;                                                              |

| • |     | the restrictions, if any, on payments to the holders of the debt securities being offered following an event of 
 default; and                                                                                                    |

| • |     | provisions requiring holders of the debt securities being offered to remit some payments to holders of senior 
 indebtedness.                                                                                                 |

Interest Rate Debt securities that bear interest will do so at a fixed rate, a floating rate or combination thereof. Original Issue Discount One or more series of debt securities offered by this prospectus may be sold at a substantial discount below their stated principal amount, bearing no interest or interest at a rate that at the time of issuance is below market rates. The material U.S. federal income tax consequences and special considerations applicable to any series of debt securities generally will be described in the applicable prospectus supplement. Registered Global Securities We may issue registered debt securities of a series in the form of one or more fully registered global securities. We will deposit the registered global security with a depositary or with a nominee for a depositary identified in the prospectus supplement relating to such series. The global security or global securities will represent and will be in a denomination or aggregate denominations equal to the portion of the aggregate principal amount of outstanding registered debt securities of the series to be represented by the registered global security or securities. Unless otherwise specified in the applicable prospectus supplement, unless it is exchanged in whole or in part for debt securities in definitive registered form, a registered global security may not be transferred, except as a whole in three cases:

| • |     | by the depositary for the registered global security to a nominee of the depositary; |

| • |     | by a nominee of the depositary to the depositary or another nominee of the depositary; or |

| • |     | by the depositary or any nominee to a successor of the depositary or a nominee of the successor. |

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The prospectus supplement relating to a series of