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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.

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UMB Free Checking Account Benefits

Get more from your checking account

UMB Free Checking
Open an Account Online Today


Account Features

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Bank anywhere

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

Enjoy exceptional service

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

Keep secure

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.

Mobile Check Deposit

Digital Wallet Options

Online & Mobile Banking

Online Statements

Visa® Debit Card

Account Alerts

24/7 Support

Unlimited Deposits & Withdrawals

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  1. 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.
  2. 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.