Earn interest
Make your cash work for you with an interest-bearing checking account.1
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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.9
You work hard.
Your money should, too.
1. All account applications are subject to approval. Must use the "Apply Now" buttons on this page to qualify. Valid for new UMB myPerks Workplace Checking accounts only. Existing UMB checking account customers are not eligible for this special offer. $100 minimum opening deposit required for the UMB myPerks Workplace Checking account. To be eligible for the offer, you must fund the account with the minimum opening deposit and funds used to establish the UMB myPerks Workplace Checking account must not currently be on deposit at UMB. Accounts not funded by the last day of the first full month following account opening will be closed. No minimum balance required for the UMB myPerks Workplace Checking account to obtain special offers. Valid one time per individual. UMB myPerks Workplace Checking account interest rates and annual percentage yields are effective as of December 5, 2022. Interest rates and annual percentage yields listed are for accounts opened online and 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 below for more information. Fees and charges may reduce earnings on your account.
Earn cash for how you bank - up to $500!1
After you open and fund your UMB myPerks Workplace Checking account with the minimum opening deposit required, you can earn up to $500 for banking your way!
Must use the “Apply Now” buttons on this page to qualify. Limited time offer, expires April 30, 2024.
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?
| 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% |
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 or refer to the Consumer Banking Schedule of Service Fees and Charges for details. Offer expires April 30, 2024.
Important Tax Information: Depending on the type of bonus you receive it may be considered miscellaneous or interest income. The $125 direct deposit bonuses and the $125 UMB Visa debit card bonus may be reportable to you and the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The $125 savings account bonus will be reportable to you and the IRS as interest on Form 1099-INT (or Form 1042-S, if applicable). The income will be reported to the first signer on the account, in the year received, as required by applicable law. Please consult your tax advisor if you have any questions as UMB Bank, n.a. does not provide tax advice.
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 myPerks Workplace Checking account number, and UMB's routing number – 101000695.
3. To take advantage of the special offer, you must have direct deposits totaling $500 or more post to your account within 60 days of opening your UMB myPerks Workplace Checking account. Special offer reward will be paid within 30 days of meeting the offer requirements.
4. To take advantage of the special offer, you must have direct deposits totaling $500 or more post to your account within 61-120 days of opening your UMB myPerks Workplace Checking account. Special offer reward will be paid within 45 days of meeting the offer requirements.
5. 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. Special offer reward will be paid within 30 days of meeting the offer requirements.
6. All account applications are subject to approval. Must use the "Apply Now" buttons on this page to qualify. Savings account special offer valid for new UMB Savings, UMB Retail 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 Retail 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. Special offer reward will be paid within 30 days of meeting the offer requirements.
7. Subject to credit approval. To qualify for the offer, card applicant must use the "Apply Now" button on this page and be listed as the primary accountholder on the UMB myPerks Workplace Checking account. Within 90 days of opening your new UMB 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.
8. 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 First-Time Homebuyer Program customers, UMB Home Equity term loan customers or 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.
9. The $5 monthly service fee can be waived if you have direct deposit(s) totaling $500 or more each monthly service charge cycle.
10. Interest rates and APYs may vary by region and may be changed at any time solely at the discretion of the Bank. The Bank reserves the right to change the balance levels on which different annual percentage yields may be obtained. Contact a personal banker for more information on the current interest rates and APYs available in your area. Fees and charges may reduce earnings.
11. The minimum daily ledger balance refers to a minimum threshold in the ending ledger balance of your UMB Savings account each day during the monthly service charge cycle. The ledger balance, also known as current balance, means the recorded amount of funds in your account, including funds that may not yet be available for withdrawal or that may be subject to an authorization hold.
12. The average collected balance is calculated by adding together the balance of items in the account for which the bank has received credit (the collected balance) for each day of the monthly service charge cycle. That balance is then divided by the number of days in the monthly service charge cycle.
13. The minimum daily ledger balance refers to a minimum threshold in the ending ledger balance of the account each day during the monthly service charge cycle. The ledger balance, also known as current balance, means the recorded amount of funds in your account, including funds that may not yet be available for withdrawal or that may be subject to an authorization hold.
Member FDIC. Equal Housing Lender
EARN
$125
Have direct deposits totaling $500 or more post to your UMB myPerks Workplace Checking account within 60 days of account opening.2,3
EARN
$125
Open a new eligible savings account with UMB within 60 days of account opening.6
EARN
$125
Have direct deposits totaling $500 or more post to your UMB myPerks Workplace Checking account within 61-120 days of account opening.2,4
EARN
$125
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.5
Other offers you may be interested in
UMB Visa® Credit Card Introductory Offer7
Earn 15,000 bonus points, a $150 value if redeemed as a statement credit, when you are approved and make $1,500 in net purchases with your card within the first 90 days of account opening. Plus, a low introductory APR. Learn more.
Save money on your mortgage8
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.
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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 earns interest while helping you achieve your financial goals, try UMB Savings.
- Interest-bearing10
- Minimum opening deposit of $100
- Monthly service fee waiver option with $100 minimum daily ledger balance11
UMB Retail Money Market
This unique account allows you to save funds at a competitive interest rate with multiple ways to access your funds.
- Interest paid on tiered balances10
- Minimum opening deposit of $100
- Monthly service fee waiver option with $1,000 average collected balance12
UMB Premium Savings
Our savings account for those with larger balances.
- Interest paid on tiered balances10
- Minimum opening deposit of $25,000
- Monthly service fee waiver option with $25,000 minimum daily ledger balance13
Explore the UMB Financial Education Center
Boost your financial know-how today! From developing healthy financial habits to protecting your wealth, our educational resources provide you access to information most relevant to you and your financial goals. Access our interactive modules, financial calculators and read the latest articles to learn more.
UMB myPerks Workplace Banking
Your employer understands the importance of money management. UMB myPerks Workplace Banking provides you with an exclusive checking account and banking benefits, plus access to financial education workshops and resources. We are here to help guide you to a more secure financial future.
For more information, see the UMB myPerks Workplace Checking Account Overview and Disclosure.
Must use the “Apply Now” buttons on this page to qualify.
DIRECT DEPOSIT SPECIAL OFFERS1
DEBIT CARD SPECIAL OFFER1
SAVINGS ACCOUNT SPECIAL OFFER1
Valid for new UMB myPerks Workplace Checking accounts only. Existing UMB checking account customers are not eligible for this special offer. While those with existing checking accounts don't qualify for this special offer, there are many benefits of converting your checking account to a UMB myPerks Workplace Checking account. Contact a UMB branch near you to discuss your account options.