- Checking account eligibility: All account applications are subject to approval. Valid only for new UMB Select Checking or UMB Value Checking accounts. Please read account descriptions carefully. To be eligible for this special offer, you must apply for your new UMB Select Checking or UMB Value Checking account via the Apply Now buttons on this page, or in-person at a UMB branch and complete the special offer requirements. You must present the mailer or mention this special offer when opening a new UMB Select Checking or UMB Value Checking account at a UMB branch. Customers who have previously applied for a personal checking account special offer 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. Fees and charges may reduce earnings on your account. Contact a UMB associate for more information. Special offer expires July 31, 2023.
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%
- 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.
- Subject to credit and collateral approval. Restrictions apply.
- The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.
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Earn when you open a UMB Select Checking or UMB Value Checking account and complete all qualifying activities.1
$400
Every UMB personal checking account includes:
Mobile Check Deposit
Digital Wallet Options
Online & Mobile Banking
Online Statements
Unlimited Deposits & Withdrawals
24/7 Support
Account Alerts
Visa® Debit Card
| UMB Select Checking | UMB Value Checking | |
|---|---|---|
| Minimum Opening Deposit | $1,000 | $100 |
| Interest Paid on Balance | ||
| Monthly Service Fee | $20 | $8 |
Monthly Service Fee Waiver Options | ||
| Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle) |
|
|
| Cashier's Checks Included | ||
| Money Orders Included | ||
| Special Loan Rates and Loan Fee Discounts3 | ||
| Check Features | No fee for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor2 | 30% discount on non-Exclusive checks ordered through UMB’s preferred check vendor2 |
| Paper Statements | Included | Included |
| Visa® Debit Card Included | ||
| UMB ATM Withdrawals | No fee | No fee |
| Non-UMB ATM Withdrawals4 | No UMB fee | 3 with no UMB fee; $2 each thereafter |
Compare checking account options
Limited time special offer ends July 31, 2023.
The perfect checking account to manage broader financial needs through preferred rates and discounts.
UMB Select Checking Special Offer
- Interest paid on balance1
- Special loan rate and loan fee discounts3
- Monthly service fee waiver options
UMB Value Checking Special Offer
A checking account option with additional features to fuel financial growth.
- No interest paid on balance
- Special loan rate and loan fee discounts3
- Monthly service fee waiver options
Limited time special offer ends July 31, 2023.
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:
Open a qualifying checking account and fund your account with the minimum opening deposit: $1,000 for UMB Select Checking or $100 for UMB Value Checking1
1
2
Set up and have qualifying direct deposits totaling $2,500 or more post to the account within 60 days of account funding2
3
Keep your account open for at least 90 days after account funding
OR
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 110 years.
Limit one checking account special offer per individual. To take advantage of this special offer, you must apply for the new qualifying personal checking account at the Apply Now buttons on this page or open an account at a UMB branch. You must present the mailer or mention this special offer when opening a new account at a UMB branch.
Visit locations.umb.com to find a location near you or to schedule a branch appointment.