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

UMB offers a convenient, free checking account so you can focus less on your to-do list and more on your bucket list.

Get more from your checking account

No monthly service fee
$10 minimum opening deposit
Online and mobile banking options
Convenient UMB branches and ATMs across 8 states, plus access to the Allpoint ATM Network with more than 55,000 ATMs worldwide¹

UMB Free Checking
Open an Account Online Today

Quickly and easily manage your UMB checking account with Online Banking and the UMB Mobile Banking app.²

UMB's one-on-one financial coaching can help you get the most from your banking experience.

Set up account alerts through online banking to notify you when balances hit a preset amount and transactions are processed.

Should the checking account be closed or transferred to a nonqualifying product, standard fees will apply. To open an account online, you must:

be 18 years old or older
be a U.S. citizen or U.S. resident alien
live in one of the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma and Texas
have a state ID, driver's license, or learner's permit. If you do not have these forms of identification, please contact a nearby branch for more information about forms of identification accepted in branch.

No ATM surcharge will be applied at the ATM. Other ATM usage fees may apply. See our UMB Consumer Banking Schedule of Service Fees and Charges for details.
Some restrictions may apply. See the UMB Online Banking Agreement and the UMB Mobile Remote Deposit Terms and Conditions for more information. Consult your mobile carrier about applicable data usage or SMS charges.