UMB Bank acquired HTLF Bank on February 1, 2025, and its 10 former divisions now operate as divisions of UMB Bank. This special offer is not available at these banks: Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank and Trust, First Bank & Trust, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, and Wisconsin Bank & Trust.

1. Checking account eligibility: All account applications are subject to approval. Valid only for new UMB Select Checking or UMB Value Checking accounts for customers without a current UMB personal checking account relationship. Please read account descriptions carefully. To be eligible for this special offer, you must 1) apply for the new UMB Select Checking or UMB Value Checking account via the Apply Now buttons on this page, or in-person at a UMB branch 2) type in your personalized one-time use promo code from your mailer in the promo code field when applying for an account online, or present the mailer or mention this special offer when opening your new account at a UMB branch; and 3) complete all special offer requirements. Customers who have previously opened a personal checking account and received a special offer or promotional bonus are not eligible for this promotion. Accounts not funded by the last day of the first full month following account opening will be closed. You must reside in one of the following states to apply for the special offer: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas. UMB associates are not eligible for this special offer. Special offer available one time per individual; for accounts with multiple owners, earned special offer will only be paid once. Earned special offer will be paid to the eligible UMB Select Checking or UMB Value Checking account within 30 days of meeting all applicable special offer requirements. Eligibility will be verified prior to paying out the $400.00 special offer. Earned special offer will be reported to the IRS as interest income. The customer is responsible for any applicable taxes and consulting a tax advisor. UMB Bank, n.a. is not a tax advisor. Contact a UMB associate for more information. Special offer expires April 15, 2025.
   
   UMB Select Checking account interest rates and annual percentage yields are effective as of December 5, 2022. Interest rates and annual percentage yields listed are accurate as of the effective date listed. Interest rates and annual percentage yields may vary by region and may be changed at any time solely at the discretion of the Bank. Contact a UMB associate for more information on the current interest rates and annual percentage yields available in your area. The Bank also reserves the right to change the balance levels on which different annual percentage yields may be obtained. Reference the chart for more information. Fees and charges may reduce earnings on your account.
   
   

   UMB Select Checking – Effective December 5, 2022
   Balance Levels	Interest Rate	Annual Percentage Yield
   Tier I $0 - 999.99	0.01%	0.01%
   Tier II $1,000 - 2,499.99	0.01%	0.01%
   Tier III $2,500 - 24,999.99	0.01%	0.01%
   Tier IV $25,000 and over	0.02%	0.02%

   
   
   
2. For purposes of this special offer, qualifying direct deposits include recurring ACH deposits of income from third parties, including income from employment, retirement, and government benefits. It does not include other types of deposits, such as those made at a UMB branch, ATM, or using UMB Online or Mobile Banking. To set up direct deposit, your employer or other income source will provide the necessary paperwork. You will need your Social Security number, UMB Select Checking or UMB Value Checking account number, and UMB’s routing number – 101000695.
   
   
3. Subject to credit and collateral approval. Restrictions apply.
   
   
4. Shipping charges may apply.
   
   
5. The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.
   

© 2025, UMB Financial Corporation. All Rights Reserved.
Privacy Statement | Legal Terms and Conditions

Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender  

Every UMB personal checking account includes:

Want more details? View checking account comparison chart.

Compare checking account options

Remember to have the following items when you apply for your new account:

✓  Personal ID: Driver's license or state-issued ID 

✓  Your contact information, including your preferred email address 

✓  Information needed to fund your account

Choose the best way to bank for you. 

You have options when managing your finances. We offer digital banking tools to help you securely and conveniently access your account, plus you can stop by or schedule an appointment at a UMB branch close to you and discuss your financial goals with a personal banker.

Complete these three steps to open your account and earn the $400 bonus: 

The benefits of UMB Bank go far beyond $400 for opening a new checking account. You get a more robust banking relationship.

We’re advisors, problem-solvers and navigators, helping valued customers like you grow and succeed in your financial journey. Smart decisions, loyal relationships and community service are our core values, just as they’ve been for more than 110 years.

Limit one checking account special offer per individual. To take advantage of this special offer:

Online: you must apply for the new qualifying personal checking account through the Apply Now buttons on this page. Be sure to use your coordinating promo code from your mailer when completing your account application.

In branch: present your mailer or mention this special offer when opening a new account.

Visit locations.umb.com to find a location near you or to schedule a branch appointment.

Earn a bonus of ^$400

when you open a UMB Select Checking or UMB Value Checking account and complete all qualifying activities.¹