Earn interest

Make your cash work for you with an interest-bearing checking account.

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Set your financial plan

UMB's one-on-one financial coaching can help you plan and reach your financial goals.

Waive your fee

If you like to keep things simple with direct deposit, we get you. We'll waive the $5 monthly service fee with a qualifying monthly direct deposit.8

You work hard.

Your money should, too.

1.Valid for new UMB myPerks Workplace Checking accounts only. $100 minimum opening deposit required for the UMB myPerks Workplace Checking account. Funds used to establish the UMB myPerks Workplace Checking account must not currently be on deposit at UMB. No minimum balance required for the UMB myPerks Workplace Checking account to obtain special offers. Valid one time per individual. All earned special offers will be paid within 90 days of account opening to the UMB myPerks Workplace Checking account. UMB myPerks Workplace Checking account interest rates and annual percentage yields are effective as of April 28, 2020. Both may be changed solely at the discretion of the Bank, and at any time. The Bank also reserves the right to change the balance levels on which different annual percentage yields may be obtained. Reference the chart below for more information. Fees could reduce earnings on your account.

Earn cash for how you bank – up to $500!1 

After you open your UMB myPerks Workplace Checking account, you can earn up to $500 for banking your way! Limited time offer, expires December 31, 2020.

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UMB myPerks Workplace Banking

Your employer understands the importance of money management. UMB myPerks Workplace Banking provides you with an exclusive checking account, a dedicated UMB relationship manager and access to financial education workshops. We are here to help guide you to a more secure financial future.

What you need to gather for your account opening:

  • Government-issued identification (ID) 
  • Verification of address, if different than what is listed on your government-issued ID 
  • Accounts opened online: fill in company name in employer field 
  • Accounts opened in branch: company paystub to verify employment 

If interested in opening a joint account, please have the person with you at the time of account opening. The joint accountholder should also have their government-issued ID.

Ready to open a checking account?

UMB myPerks Workplace Checking – Effective April 28, 2020

Balance levelsInterest RateAnnual Percentage Yield
Tier I,$0 – 999.990.01%0.01%
Tier II,$1,000 – 2,499.990.05%0.05%
Tier III,$2,500 – 24,999.990.05%0.05%
Tier IV,$25,000 and over0.09%0.09%

If the UMB myPerks Workplace Checking account is closed within the first 90 days from the account opening date, a Close Account charge may be imposed. See a UMB associate for details. Offer expires December 31, 2020.

2. To take advantage of the special offer, three (3) Visa debit card transactions must be posted to the account within 60 days of opening your UMB myPerks Workplace Checking account.

3. To take advantage of the special offer, three (3) online bill payments must be posted to the account within 60 days of opening your UMB myPerks Workplace Checking account.

4. To take advantage of the special offer, you must sign up for online statements within 20 days of account opening and receive an online statement within 60 days of opening your UMB myPerks Workplace Checking account.

5. Savings account special offer valid for new UMB Savings, UMB Daily Investment Money Market and UMB Premium Savings accounts opened within 60 days of opening your UMB myPerks Workplace Checking account. Minimum opening deposit required: UMB Savings - $100; UMB Daily Investment Money Market - $100; UMB Premium Savings - $25,000. Savings account must be opened by the primary accountholder listed on the UMB myPerks Workplace Checking account to receive the special offer. The primary accountholder is the accountholder that signed or completed the W-9 certification for the account.

6. Subject to credit approval. To qualify for the offer, card applicant must be listed as the primary accountholder on the UMB myPerks Workplace Checking account. Within 90 days of account opening of your new UMB Simply Rewards Visa Credit Card, approved applicants must use the card to make $1,500 in Net Purchases to receive 15,000 bonus points; Balance transfers or cash advances are not eligible as part of the $1,500. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application and our Rewards Rules.

7. Loans subject to credit and collateral approval. Discount available to new UMB myPerks Workplace Checking accounts established on and after April 1, 2020. Must have a UMB myPerks Workplace Checking account open at time of loan application. Discount applies to purchases or refinances of primary residences only with a mortgage application date between April 1, 2020 and December 31, 2025. Limit one per household. Fee discount not available for current UMB Mortgage customers. To qualify for the offer, applicant must be listed on the loan as the primary borrower. Loan programs may not be available in all states, or for all loan amounts; additional restrictions and limitations may apply. See a mortgage loan originator for details.

8. The $5 monthly service fee can be waived if you have direct deposit(s) totaling $500 or more each monthly service charge cycle.

Member FDIC. Equal Housing Lender

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Apply for a Checking AccountApply Here

$125

Pay for things with your debit card? Boom, rewarded.1,2

Set up a UMB Visa® debit card with your UMB myPerks Workplace Checking account and use it three times within 60 days of account opening.

$125

Working on your savings? That’s what we like to hear—have a reward.1,5

Open an eligible savings account with UMB within 60 days of opening your UMB myPerks Workplace Checking account.

$125

Do you pay your bills online? You'll be rewarded for that.1,3

Enroll in online banking, set up online bill pay and make three online bill payments within 60 days of account opening.

$125

Prefer online statements? Get rewards!1,4

When you sign up for online statements within 20 days of account opening and receive an online statement within 60 days of account opening.

Other offers you may be interested in

UMB Simply Rewards® Visa® Credit Card Special Offer6 

Get 15,000 bonus points, a $150 value, when you make $1,500 in purchases with your card within the first 90 days of account opening. Low introductory APR.

Save money on your mortgage7 

Planning to buy or refinance your mortgage? Receive a $500 discount on origination fees for a UMB mortgage loan.

A checking account built for you

With a UMB myPerks Workplace Checking account, you'll receive all the benefits already built into our checking solutions—with special upgrades:

Quickly and easily manage your checking account with our awesome online banking tools and mobile app.

Online, any time access

We have hundreds of ATMs and nearly 100 branches at your service.

Convenient locations

Mobile banking, Apple Pay, biometric ID and more – bank however you want to bank with UMB.

Bank your way

Full-service savings

UMB Savings

If you need a straightforward savings account that helps you earn interest while achieving your financial goals, try UMB Savings.

  • Interest-bearing
  • ATM card access
  • Low-minimum balance monthly service fee waiver option

UMB Daily Investment Money Market

This unique account allows you to save funds at a competitive interest rate with debit card access to your funds.

  • Interest paid on tiered balances
  • FDIC-insured

UMB Premium Savings

Our savings account with special rates for those with larger balances.

  • Interest-bearing
  • ATM card access